vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Credit Reporting Agencies reporting inaccurate information to credit report affecting The information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting.

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 2021-10-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I have contacted the original creditor for these accounts and explained that I have been a victim of identity theft for many years now. This has has effected my life in so many ways. i have sent in prior FTC reports showing that i was a Vitim of identity theft and these companies continue to harass via mail, by phone, and also by reporting negative and false information to the credit bureaus. I have also requested supporting documentation signed by me and there has not been any response

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I mailed a physical check to JCPenney/Synchrony Bank which cleared my account on XX/XX/21. The check was cashed by them on XX/XX/21, but rather than submitting the physical check, they somehow transferred it into an electronic funds transfer. Upon trying to resolve this issue multiple times ( beginning XX/XX/XXXX when I learned of the transaction not posting to my account, I started reaching out to them to figure out how to resolve. On three separate occasions, I submitted the requested information and they have denied my claim. I have provided a copy of the statement showing the EFT as well as a letter from my bank with the pertinent information ( they keep requesting a copy of the physical check from the bank, but the bank doesn't have the physical check, only the EFT reference ). the company keeps saying that they can not approve my dispute even after receiving appropriate documentation. 

My email and mailing address are : XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2021-10-02 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Unexpected or other fees — 
Company: ADP Inc.
State: CA

Complaint narrative:
Ok so i work for an XXXX XXXX and had the option to get my paycheck on a payroll card known as XXXX, and about a couple weeks ago i lost my wallet.. I informed XXXX immediately and they put a stop to my card.. They then told me they would issue me a new card but it was going to take 7-10 business days to receive or i could spend {$35.00} to get a new card expressed shipped so i agreed to pay the {$35.00} and not less then a week of having the NEW card, I had someone fraudulently withdraw {$180.00} from my account at a XXXX XXXX  XXXX ATM.. I instantly called them and then they said they would put a stop on this card now but i would have to pay another {$35.00} to get another new card.. well 2 days past and i have gotten no card or anything.. so i called again because now it is the XXXX and i have rent to pay and they told me that my card was never sent out so they had to issue me a refund. Never got a refund but was told to call back in 2 business days to talk with someone in disputes. I have now been served with a 30 day notice because i cant access my funds to pay my rent. And they arent even trying to help me.. i dont know what im going to do.. Id never thought id be XXXX.. i even asked if they could send my money that i work hard for to another debit card i have and they said NO.. please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
CACHLLC has reported inaccurate information. This collection agency is reporting that I have recently made payments when I had never made a payment to them because I do not owe them anything. The account states closed.This is fraud and inaccuracy of reporting. It is affecting my credit report negatively and that is why I'm filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
INFORMATION IS BEING REPORTED ON MY CREDIT PROFILE THAT WAS NOT MADE BY ME

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 2021-10-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
INFORMATION IS BEING REPORTED ON MY CREDIT PROFILE THAT WAS NOT MADE BY ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
INFORMATION IS BEING REPORTED ON MY CREDIT PROFILE THAT WAS NOT MADE BY ME

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: VW Credit
State: DC

Complaint narrative:
I decided to payoff the value of my leased XXXX XXXX and keep the car as the lease term approached expiration. I reached out to VW and obtained a payoff quote and the documents required on XX/XX/2021. On XX/XX/XXXX, I sent to XXXX XXXX  XXXX XXXX a cashier check for {$17000.00} payable to XXXX XXXX  XXXX as instructed in the Vehicle Payoff Instruction List sent to me by Volkswagen Credit on XX/XX/XXXX. We were informed that we would receive the title documents within 3-4 weeks. 
- XX/XX/XXXX : When we did not hear back from the company, we contacted them for follow up on XXXX XX/XX/2021. We were informed that the documents should be sent by the end of the week and promised that an expedite request would be put forward. 
- XX/XX/XXXX : having not heard anything we reached out again only to be informed that our Odometer Disclosure is missing. It was incorrect since we did send the disclosure with the check. 
- XX/XX/XXXX : we sent the Odometer Disclosure again. 
- XX/XX/XXXX : We contacted them we were told that the documents are in the mail and we would receive them in a couple of days. 
- XX/XX/XXXX : we demanded escalation and we were connected to a manager. She advised that VW made a mistake submitting our documents to their service provider that handles lien release and that this was corrected and we would get an update within 24 hours. 
- On XX/XX/XXXX we also asked through VW Credit portal to receive an official letter confirming that we have fully paid the value of the vehicle. We received no acknowledgement or response. 
- XX/XX/XXXX : we followed up after failing to receive the promised update only to be told that the title and lien company was only given the request to release the title on XXXX XXXX and that their process would probably be completed by the XXXX or the XXXX of XXXX. 
After all these changes of stories and information we believe that the company is either grievously negligent or actually in bad faith. Either way the harm to us is the same. We are unable to trade, refinance or resell the vehicle and we are stuck unsure when we will be able to get access to our money and get the full use of our fully paid property. The company is acting with impunity and DC law does not impose any penalty on the company for withholding out title to the vehicle in this way. We contacted the DMV asking if there is a process for them to intervene and there was none.

I really hope that CFPD can interfere to protect us from this abuse of company power and unfair treatment

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WATERMARK CAPITAL, INC.
State: AZ

Complaint narrative:
I worked with watermark home loans to refinance my house. We agreed on a no cost refinance loan. The lender credit was suppose to cover the expenses of my refinance. When I received Closing Disclosures they were never correct and constantly changing. We I voiced this to the lender over the phone they said don't worry it will be correct on signing. After I signed I notice the lender credit was only {$600.00} and fees paid to borrow were {$3100.00}. I called the lender and they stated that the reduced lender credit is because they had to extend the loan because all of the changes I made. My appraisal came in lower than expected which caused me to reduce the cash out portion. I was never aware a loan lock was being charged to me. XXXX XXXX who worked with me through this process told me the company is not going to do anything and they can just cancel the loan and applied pressure stating rates have increased anyway, as well as good luck finding a better rate now. An email below from the processor even states the initial terms of the loan which had a higher lender credit. 

" XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXX XXXX  to me XXXX, the revised pricing for the $ XXXX loan amount you requested is shown below. 
Youd still be at 2.875 % with a {$1500.00} lender credit and your new P & I payment would be {$1200.00}. 

Hope that helps you know which way to go Regards, XXXX. 
XXXX XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter to XXXX, XXXX, and Transunion to investigate incorrect information on my account. As a result, they never responded within the 30 days allowed for investigation. 

This is my second letter I am sending to them requesting an investigation on inaccuracies appearing in my credit file. The most recent letter was sent 30 days ago, with no response from your company. I was again requesting that you investigate the accounts listed in the letters. 

Since they did not respond within 30 days, I will assume that they are not able to verify this information and will remove it from my credit report. Federal law requires you to response with 30 days, days, yet you have failed to do so. I am maintaining a log of all corrections sent to your company from future legal actions if continue to ignore my requested. I would expect that you send me an updated credit response for my files.

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 2021-10-02 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: GA

Complaint narrative:
On XX/XX/2021, I sent a letter to Experian, XXXX, and XXXX to investigate incorrect information on my account. As a result, they never responded within the 30 days allowed for investigation. 

This is my second letter I am sending to them requesting an investigation on inaccuracies appearing in my credit file. The most recent letter was sent 30 days ago, with no response from your company. I was again requesting that you investigate the accounts listed in the letters. 

Since they did not respond within 30 days, I will assume that they are not able to verify this information and will remove it from my credit report. Federal law requires you to response with 30 days, days, yet you have failed to do so. I am maintaining a log of all corrections sent to your company from future legal actions if continue to ignore my requested. I would expect that you send me an updated credit response for my files.

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 2021-10-02 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:
On XX/XX/2021, I sent a letter to XXXX, Equifax, and XXXX to investigate incorrect information on my account. As a result, they never responded within the 30 days allowed for investigation. 

This is my second letter I am sending to them requesting an investigation on inaccuracies appearing in my credit file. The most recent letter was sent 30 days ago, with no response from your company. I was again requesting that you investigate the accounts listed in the letters. 

Since they did not respond within 30 days, I will assume that they are not able to verify this information and will remove it from my credit report. Federal law requires you to response with 30 days, days, yet you have failed to do so. I am maintaining a log of all corrections sent to your company from future legal actions if continue to ignore my requested. I would expect that you send me an updated credit response for my files.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: KS

Complaint narrative:
There are atleast 3 fraudulent accounts in my name still being reported by Transunion & XXXX I have provided identity theft documents several different times to XXXX & Transunion to inform them of the fraud to no avail.

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 2021-10-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing the complaint against Equifax, XXXX, XXXX because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I have a problem with unauthorized transactions or skimming from my account. This has occurred on various occasions especially when I am out of town on vacation. In XXXX, when I went to XXXX, I added about {$2500.00} to my account while in XXXX as my account was low. Within a day or so, the money was depleted and my phone was lost twice, the second time unrecovered. I filed a report with the casino I was staying with concerning the lost/stolen phone and missing funds. The same thing occurred upon a trip to XXXX ; due to low funds, I added {$400.00} to my account yet the balance remained low not due to any purchases on my part. I booked the hotel through XXXX at a rate of {$470.00} for the weekend. The hotel charged {$570.00} and when I went to XXXX, it appears that they charged {$570.00} also. Recently, I lost my phone again at a local grocery store and when it was recovered at the store, several unauthorized transactions were discovered and a legitimate charge was bounced from my account with a {$35.00} fee. When I went to my mobile account, I discovered other charges which were not listed previously when I reviewed my account and my mobile account would not permit me to see antecedent charges to reconcile my account. In prior years, I have surmised monies missing from my account in the amount of {$15000.00}. I know I had not requisitioned the amount from my XXXX as I had just commenced social security payments. I went to the Banking Commissioner and filed a complaint, to the police department, my accountant and the bank -- to no avail. I received printouts on my account at the bank on each occasion and was not able to ascertain where the money went. Thus, I believe that skimming has been occurring in my account in the past, but more abundantly this year. It has caused stress. missed bill payments, overdrafts with fees and the lack of enjoyment of vacations -- especially in XXXX where we enjoyed no high end restaurants, shopping or shows and very little gambling went on after the first night because the funds were missing. Hopefully, your agency can assist in this matter as if it occurs in my account to the extent which it has. larger accounts may suffer massively if they are not as attentive to their account as I am. Thank you in advance for your assistance.

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 2021-10-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
my credit card with capital1 has unnecessarily been placed on hold for 8 days, on XX/XX/XXXX {$1400.00} was sent to my capital1 credit card from my bank acct at XXXX XXXX XXXX  ending in XXXX, for about 40 yrs i have had this acct with capital 1. i am a senior citizen and need that money immediately. when these holds are placed upon my credit card accts, i am charged by various creditors fees which as a senior citizen i can not afford. this has happened repeatedly. i have no other income other than my pension, and the capital 1 credit card ending in XXXX is the only way i can pay my bills. please immediately direct capital1 credit card company to release my funds on my credit card ending in XXXX i need to pay those bills and use the funds sent to my credit card acct. also, i wish a fine be imposed upon capital 1 for this repeated unnecessary victimization and some compensation be given to me to over the fees imposed by my creditors for their being denied payments through my capital 1 credit card ending in XXXX. I live on those funds and have no other source of income until the XXXX of XXXX please. work fast on this blatant disregard for my financial well being

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello I have made several attempts with Experian to obtain their method of verification to my original disputes of an inaccurate bankruptcy being report in my credit file that they maintain. And every time, they reply back with vague or dishonest responses and a failure to comply! 
I am including my latest dispute letter dated XX/XX/2021, along with their latest response, a copy of a letter from the United States Bankruptcy Court and a copy of a letter from XXXX. 
I am seeking assistance from the Consumer Financial protection Bureau to compel Experian to either produce the appropriate verification information or to permanently delete the bankruptcy from credit file! 
Thank you in advance! 
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 2021-10-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing the complaint against XXXX, XXXX, Transunion because they have ignored my request for a reinvestigation since XX/XX/2021. YES! I have been sending dispute letters for the accounts items listed on this complaint for AN ENTIRE YEAR! I have not had one response from this credit bureau! Per FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and section 611 ( 5 ) ( a ) of the FCRA, they are required to " promptly delete all information which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! Your assistance in resolving this concern as soon as possible is appreciated. Thank 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