vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-10 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: AL

Complaint narrative:
THIS IS MY THIRD AND FINAL DISPUTE FOR THESE ACCOUNTS. I CONTACTED THESE COMPANIES AND THEY PROMISED TO REMOVE THESE ACCOUNTS FROM MY CREDIT. THIS IS ALSO MY THIRD TIME REACHING OUT TO THE BUREAUS ABOUT REMOVING THESE ITEMS FROM MY CREDIT PROFILE. THESE INACCURATE ITEMS ARE IN VIOLATION BECUASE THEY ARE CAUSING ME A LOT OF DISTRESS. PLEASE REMOVE THESE ACCOUNTS FROM MY 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 2020-09-10 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: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
THIS IS MY THIRD AND FINAL DISPUTE FOR THESE ACCOUNTS. I CONTACTED THESE COMPANIES AND THEY PROMISED TO REMOVE THESE ACCOUNTS FROM MY CREDIT. THIS IS ALSO MY THIRD TIME REACHING OUT TO THE BUREAUS ABOUT REMOVING THESE ITEMS FROM MY CREDIT PROFILE. THESE INACCURATE ITEMS ARE IN VIOLATION BECUASE THEY ARE CAUSING ME A LOT OF DISTRESS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Collections U.S.A., L.L.C.
State: FL

Complaint narrative:
I checked my credit and saw a collection from credit collections USA for XXXX XXXX XXXX in the amount of {$430.00}. I never received any notice of dispute for this item, especially since I was homeless at the time of the service and made sure to make the clinic aware of no medical coverage. I have obtained a PT job and would like to pay {$200.00} to settle and delete 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 explanation
Consumer complaint received 2020-09-10 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: Holloway Credit Solutions
State: AL

Complaint narrative:
THIS IS MY THIRD AND FINAL DISPUTE FOR THESE ACCOUNTS. I CONTACTED THESE COMPANIES AND THEY PROMISED TO REMOVE THESE ACCOUNTS FROM MY CREDIT. THIS IS ALSO MY THIRD TIME REACHING OUT TO THE BUREAUS ABOUT REMOVING THESE ITEMS FROM MY CREDIT PROFILE. THESE INACCURATE ITEMS ARE IN VIOLATION BECUASE THEY ARE CAUSING ME A LOT OF DISTRESS. PLEASE REMOVE THESE ACCOUNTS FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
I had listed that I was selling a complete sofa set on XXXX XXXX. A man reached out to me and stated he wanted to buy the set. He sent me a cashiers check of {$3000.00}. {$1200.00} for the set and {$1800.00} for the moving fees. He asked me if I could help pay the movers for him. So I said I would. The check cleared in the bank today and he wanted me to XXXX the moving company the {$1800.00} so that they can pick up the sofa set. I did so. Hours later he texted me that he had a emergency and couldnt buy the sofa. That he called the moving company and would like for me to return the money to him. At that point I was like something is not right. He continued to texted me saying he would send me another check so that I could send someone else money. Thats when I knew I just been had. And contacted my banks fraud department right away. I stated to them what happened and believe that the check is a fraud. But because the bank cleared it and put the funds in my account. I thought it was legit. My bank said that I was outta luck and could not do anything. They froze the check. Took back the entire {$3000.00} and Im out {$1800.00} which was what I had to pay my mortgage. Please is there any help I can get. I really thought I was doing the correct thing since the check cleared. Im so lost and hurt. Dont have to heart to tell my fianc I just lost out money. This all happened today. XXXX XXXX 2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: MA

Complaint narrative:
I filed a dispute with Chime Bank on Monday XX/XX/2020 regarding a credit not posted from a merchant that promised me a refund and even provided me with a refund confirmation number, which I forwarded to the bank. I was asked to submit a written statement about the dispute, which I provided to the bank on XX/XX/2020. At that time, I was advised my claim was eligible for a provisional credit under Regulation E and that it would be posted to my account by Wednesday XX/XX/2020. On Monday XX/XX/2020, my dispute was erroneously changed to " service not received '' and I was then advised my claim was no longer eligible for provisional credit. I immediately contacted Chime Bank to discuss this issue. I was told that it was escalated and they acknowledged the dispute type was changed back to credit not posted. I did not see the provisional credit applied to my account today so I contacted the bank. They advised me that " the time resets '' when a dispute type is changed, and that my claim is now again eligible for a provisional credit which I can expect to be posted by XX/XX/2020. I then asked to speak to a supervisor. After spending an hour and a half on hold, XXXX, the " supervisor in charge '' of the dispute department was extremely rude to me. He told me that I was not going to be receiving a provisional credit at all, and then hung up on me. I contacted the bank again and at this point no representative is helping me. I have sent numerous emails to XXXX and XXXX which have also gone unanswered. I have great concerns with the conduct of Chime Bank, as well as their mishandling of disputes. The dispute process is critical and consumers are typically reporting a dispute on their worst day. To have my dispute totally mishandled and be forced to wait an additional 2 weeks, making it almost 30 days before I am receiving a provisional credit is disgusting. Please help me fix this. It is crystal clear they are refusing to abide by Regulation E and are making their own rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: TOYOTA MOTOR CREDIT CORPORATION
State: MS

Complaint narrative:
I've contacted Toyota Financial and the credit bureaus requesting them to remove two vehicle loans that are now closed but reflecting late payments ; however, my divorce decree property settlement states my ex-wife is responsible for these account balance since 2013.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XX/XX/2020 I recieved an NOI letter from Wells Fargo Dealer Services. The letter has an order of steps required to reinstate or Redeem your vehicle after repossession. Borrowers are required to obtain a reciept for cost of filing from the Sheriff 's and lists the sherriffs headquarters address. Letter is attached. THIS IS FRAUD. The sheriff 's do not file repossession reports. Sending borrowers to obtain a reciept from an agency and address that is not valid resulting in failure to reinstate or Redeem vehicle is unethical and dirty, even for Wells Fargo. Why make us run in circles just take the vehicle and say XXXX CA law. 

Being that I only had 12 days before my truck was to be sold, NOT 15, I called Wells Fargo in a panic trying to get more information on how to obtain this receipt and they were unable to provide me with an alternative ... .... which IS FRAUD. I was required to obtain a reciept for cost of filing that is a non-existent filing because sherriffs DO NOT file repossessions. 

Requiring borrowers to obtain a reciept that does not exist, before they reinstate or Redeem their vehicle is not possible and would certainly result in Wells Fargo stealing vehicles. 

Wells Fargo tried to blame their NOI Letter on the repossession agency. As if the repossession agency sent the NOI Letter. Wells Fargo will not accept fault for this meaning they are actively stealing vehicles.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: MS

Complaint narrative:
I've contacted XXXX XXXX and the credit bureaus requesting them to remove two vehicle loans that are now closed but reflecting late payments ; however, my divorce decree property settlement states my ex-wife is responsible for these account balance since 2013.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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:
I've contacted XXXX XXXX and the credit bureaus requesting them to remove two vehicle loans that are now closed but reflecting late payments ; however, my divorce decree property settlement states my ex-wife is responsible for these account balance since 2013.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Hey I send letters to the Equifax and creditor they keep saying updated and I never ask for a update Im asking deletion because late payment and inaccurate reporting. They dont even have consistent reporting on my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Mercedes Benz Financial Services
State: MO

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX, under the lease program with Mercedes Benz Financial Services in XX/XX/XXXX. At the end of my lease I turned the car into Mercedes Benz dealership, and purchased a new XXXX in XX/XX/XXXX. The dealership requested a pay off amount for the XXXX XXXX XXXX which  was being traded for the new car I had purchased. Mercedes Financial Services sent the dealership the payoff required with the full dollar  amount needed to complete the transaction on the old car. Three months later, MBFS sent me a bill for over {$6000.00} dollars on the old car I had just traded in, in order to purchased the new car. I was affected by COVID 19, and do not have the money to pay this debt, which should have been included in the payoff request made by the dealership. MBFS has also submitted a balance on this account, to all the major credit reporting agencies, on a car I do not have anymore. MBFS as set out to ruin my credibility on a car I have never been late on the entire time I've owned the car. I have never had a late payment on this automobile. The car dealership asked for the full payoff on the car, so I would be completely done with that car. I would like MBFS to show zero balance on this trade line at the major credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: PA

Complaint narrative:
XXXX XXXX XXXX amount of XXXX account open XX/XX/2014 without my consent. 

Attempted to dispute through Experian which never responded. 

Please remove fraudulent account from my 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 2020-09-10 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1100.00}, {$5600.00}, {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: LD Holdings Group, LLC
State: CA

Complaint narrative:
On XX/XX/2020. I did not authorize the charges to my account ; loan-depot stated that they need a credit card on file if I decide to use their loan services for an appraisal. immediately, I noticed two day later that they charged my account. I called and told them I did not agree to any appraisal and an appraisal was never done. I ask them to refund me my money on XX/XX/2020 I Also, called on XX/XX/2020 and XX/XX/2020. Also, I login to the site and send a message via their loan portal see attached section on the message History XX/XX/2020. Therefore, no services were rendered. I don't have an account with this company and I was just doing an inquiry with Loan-depot regarding a refinancing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-10 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1100.00}, {$5600.00}, {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1100.00}, {$5600.00}, {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 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: STERLING JEWELERS, INC.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I locked an interest rate with Citibank on XX/XX/20 to refinance my home. I was given a 60 day closing estimate. Six months later Citibank still has not closed my loan. I've probably spent a total of 24-48 hours of my time working on this refinance with Citibank. I have emailed over 60 documents. Most of these documents are just requested because previous documents expired. Multiple checks on my credit have been made. I opened my home to an appraiser in XXXX. This appraisal will soon expire. I have been told multiple times " We're almost there, just please send us the following documents ''. I have tried to escalate the issue. I have spoken to 2 different managers. I am paying {$1200.00} per month more in interest because Citibank can't close my loan. I have lost the opportunity to refinance with other lenders while Citibank strung me along. I am a XXXX Private Client.

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