vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have sent dispute requests to XXXX, XXXX and Experian regarding the following account number : XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have sent in documentation for over two years to try to remove all unauthorized inquiries on my account I had no inquires on my report now I have over 20 due to identify theft and these inquires have not been removed yet

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: LEXISNEXIS
State: MI

Complaint narrative:
I have attempted to obtain my consumer file from Lexis Nexis since XX/XX/year>. I was asked to verify my identity on three separate occasions. Once that was settled, I was sent a letter with a pin to access my report online. The pin did NOT work so I had to reach out to them again ( the customer service rep also attempted to use the pin and verified it did not work ) and they said they would send it by mail. 

I have since reached out 3 more times because the report has not been received. Each time they have insisted it has been sent and will send another copy. It is now XXXX and I have never received this report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: SANTANDER HOLDINGS USA, INC.
State: IN

Complaint narrative:
On or about XX/XX/XXXX. I paid off my XXXX XXXX XXXX XXXX. I overpaid by one monthly payment and a couple days of interest. Rather than send me a check for this overpayment Chrysler Capital refunded this overpayment via 2 debit cards. One in the amount of {$370.00} and a 2nd in the amount of {$24.00}. I put these cards in my wallet and forgot about them and they had expired XX/XX/XXXX. 
On or about XX/XX/XXXX, I called Chrysler Capital to request that they replace these cards and they agreed. I received the new cards and they are now debit cards in the amount of {$120.00} and {$24.00}. With the explanation on the reduction being it is a service charge. 

I do not think that Chrysler Capital has the right to retain my overpayment for a service charge. What service did they provide me? I overpaid my car loan, never asked for a debit card, would have preferred a check and then I simply asked for a new card that was not expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I was alerted that someone applied for a Spirit Airlines card in my name. I have my credit locked down, but called B of A the credit card servicer to make them aware that I did not apply for this card. That it was a fraudulent application. About 2 weeks later, I received another text from BOFA requesting that I release my credit so they can approve the application. I again called back and was told that it has already been cancelled. I asked why then am I getting reports that someone is requesting my credit. Well they informed me that in fact only one application has been submitted. The one that I called to report fraud on. However, they are still asking me to complete the request, when I told them its it fraud. Today, I received a letter in the mail from Free Spirit World Elite MasterCard, serviced by Bank of America. Again the request was to allow my credit release so they can complete the application. This is harassment and causes undue stress and worry that someone is trying to steal my identity. When in fact, they are just trying to get me to take their card. I AM NOT NOW OR IN THE FUTURE, wanting a card from BOFA and would like the harassment to stop!

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion keeps listing XXXX XXXX as my employer, then they remove it when I file complaint, then they put it back on... I am not and have never been employed by 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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I am a victim of XXXX XXXX  of Debt bondage I would like for all listed accounts to be BLOCKED AND DELETED BY EQUIFAX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Looking at my credit report i see an account that does not look accurate. I would like to have this investigated because is is affecting me getting credit. I need this account to be investigated for accuracy. Below is the account that i need investigated for complete accuracy. 

Account- XXXX XXXX acct # 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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Around XXXX XXXX XXXX requsted assistance from vystar representatives for consolidation loan. Im a XXXX and the way they are trained seems inept and communication is confusing to me, if not bordering exploitative, see fs and today XXXX XXXX XXXX i find another transaction notice after i was there on XXXX and the third time they claimed resolved. 

They offered to combine loans and close credit card. Then i find monthly they are still withdrawing from my checking to fund credot card- that they told me they closed. I return twice and spoke to two of their people, each time waiting a long time and was told issue resolved. But it continued, including in XX/XX/XXXX, 5 months later. One blamed me and told me I had to cancel auto withdrawal and i had to return to sign paperwork, wasting my time. They told me it takes x many days for them to process. However, Today i paid off a loan from XXXX XXXX, within hours, from a phone contact. they sent notice they had canceled my easy pay but the inefficient vystar claimed it could take months and I'm was required to travel and sign documents, in person 3 times. And for the most part they seemed jovial and not apologetic. Adding a felt degree of insult to injury. 

Today XXXX XXXX XXXX, entered vystar on isb in XXXX to pay off a loan and this time attended to by manager. i asked again if and then why they keep unauthorized withdrawals from my account to fund a card that they allegedly closed. Again, I'm waiting an extended tine as they fumble to another and i have to sign 3rd set of papers to cancel payments that they should have processed 5 months ago. 

So i feel they owe me for my time and travel, any Interest lost, aggravation, / mental frustration, Any fees charged, any libelous duragatory or inaccurate information that may have affected my credit and credit rates on new loans or credit checks by other institutions for the 6 months including that acquired from competitive institutions, info inaccuracies sent to credit bureaus or that they stated without my permission. Also, a forensic audit by auditor to be disclosed later as i have no confidence in their abilities in loans or any type of transactions, considering they have essentially lied to me about fixing the problems they created and seem very confused, asking me questions about what they have done, asif i can explain their process of ineptitude.or results.

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 2024-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to seek your assistance in resolving a serious issue involving fraudulent activity on my bank account. 

I was the victim of a scam related to a remote data entry job offer. I was contacted by an individual claiming to be " XXXX, '' who requested my banking information to facilitate weekly XXXX compensation. On XX/XX/XXXX, I received XXXX payments of {$1500.00} each from " XXXX. XXXX Subsequently, XXXX contacted me, claiming that these payments were made in error and asked me to return the money via XXXX. Under pressure and a sense of urgency, I sent XXXX payments of {$1000.00} each on the same day. After further investigation, I discovered that these payments were from the XXXX XXXX XXXX XXXX  program. 

Realizing the fraudulent nature of the transactions, I immediately contacted the Chase fraud line to report the incident and requested the reversal of the payments while they were still pending. Despite my prompt action, the situation escalated further. 

I later discovered an unauthorized withdrawal of {$8000.00} from my Chase bank account. As a result, my checking account was locked, and I was informed that I had been involved in a scam. 

Despite numerous calls and emails to Chase, I have been unable to recover the funds that I worked hard to earn. As an individual, I find it challenging to confront a large institution like Chase on my own. Therefore, I am seeking your assistance in recovering the remaining balance in my checking account. 

Below are the details of my account and the references for the relevant case and communications : - **Account Information : ** - Account Number : XXXX - Routing Number : XXXX - **Chase ACH Research Team : ** - Reference Number : XXXX - Phone Number : ( XXXX ) XXXX - **Chase Fraud Department XXXX XXXX XXXX Case Number : XXXX - Phone Number : ( XXXX ) XXXX - **Call Logs : ** - Call with XXXX on XX/XX/XXXX ( Fraud Department Agent ) - Call with XXXX on XX/XX/XXXX ( Fraud Department Agent ) - Call with XXXX from Loss Prevention XXXX XX/XX/XXXX I greatly appreciate your support and consideration in this matter. I am hopeful that with your intervention, I can recover the funds that were wrongfully taken from my account. 

Thank you for your time and assistance. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I made contact through written communication with the collection agency ( Resurgent capital services ) a subsidiary of LVNV Inc. for an alleged debt validation request. My first attempt was on XX/XX/XXXX and sent via postal mail. and receive a response written response to my request attached was a bill with my name association, I did not receive the proper documentation requested in my letter for validation under the FDCPA such as ie : Proof of ownership, proof that the acct was sold or assigned to LVNV, Detailed acct statements that details the acct history and amount. and any original signed agreement or contract I continued to request such documentation and continued to receive documentation that has not meet the legal standard required to prove their claim. 
In addition, LVNV Inc. has place two additional acct. on my credit profile without proper notification that may have violated my consumer rights by '' debt parking '' tactics. ( FTC vs. XXXX XXXX XXXX makes clear that Debt Parking without proper notification is a violation ) XXXX  has Three unvalidated collection accts entered on : XX/XX/XXXX for {$2400.00} no notification XX/XX/XXXX for {$1700.00} no notification XX/XX/XXXX for {$1900.00} disputed account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
XXXX XXXX XXXX denied me stating my paperwork was fraudulent when that is not true I have had money stolen out my account as well as accounts open in my name unauthorized

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have sent in documentation for over two years to try to remove all unauthorized inquiries on my account I had no inquires on my report now I have over 20 due to identify theft and these inquires have not been removed yet

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Looking at my credit report i see an account that does not look accurate. I would like to have this investigated because is is affecting me getting credit. I need this account to be investigated for accuracy. Below is the account that i need investigated for complete accuracy. 

XXXX XXXX XXXX acct # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Looking at my credit report i see an account that does not look accurate. I would like to have this investigated because is is affecting me getting credit. I need this account to be investigated for accuracy. Below is the account that i need investigated for complete accuracy. 

XXXX XXXX XXXX acct # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to dispute the accuracy of the following information on my credit report : I believe this information is inaccurate, incomplete, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am asserting my rights under : 15 U.S.C. 1681 : The Fair Credit Reporting Act, which protects consumers from inaccurate or misleading information in their credit reports.

15 U.S.C. 1681b : My right to privacy and the prohibition of furnishing information without proper authorization.

15 U.S.C. 1681s : Regarding the furnishing of information related to motor vehicles without written consent.

15 U.S.C. 1666b : Regarding the treatment of payments on open consumer credit plans.

I request that you immediately investigate and remove these inaccurate and disputed items from my credit report. I am enclosing a copy of my credit report for your reference.

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, I am requesting that you reinvestigate this matter and correct my credit report accordingly.

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 2024-08-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to dispute the accuracy of the following information on my credit report : I believe this information is inaccurate, incomplete, and in violation of my rights under the Fair Credit Reporting Act ( FCRA ). Specifically, I am asserting my rights under : 15 U.S.C. 1681 : The Fair Credit Reporting Act, which protects consumers from inaccurate or misleading information in their credit reports. 
15 U.S.C. 1681b : My right to privacy and the prohibition of furnishing information without proper authorization. 
15 U.S.C. 1681s : Regarding the furnishing of information related to motor vehicles without written consent. 
15 U.S.C. 1666b : Regarding the treatment of payments on open consumer credit plans. 
I request that you immediately investigate and remove these inaccurate and disputed items from my credit report. I am enclosing a copy of my credit report for your reference. 

Pursuant to the Fair Credit Reporting Act ( FCRA ), 15 USC 1681i, I am requesting that you reinvestigate this matter and correct my credit report accordingly.

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 2024-08-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: VA

Complaint narrative:
I have a {$6000.00} debt from hunter warfield and they took it off by disputing it because I asked for proof of the leasing agreement and they did not have it. However, they recently added it back plus another charge for {$100.00} of debt from them. I got it taken off because I wanted to fix their wrong doings & also build my credit back from how far down it has knocked me. Please let me know what I can do for this. Thankyou.

Email : XXXX # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
I was in XXXX and had money taken out of my bank account are there were transactions that were not mine and when I got out of XXXX, I reported this information to Wells Fargo I provided, and then proof of XXXX and provided them all the information and all the transactions that were not mine and advise them that I did notdo these transactions they denied my claim I did an appeal and was also denied on the pill. They said they did not believe that I did not give permission to someone to do these transactions and therefore it was {$7000.00} or somewhere close.

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 2024-08-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: NH

Complaint narrative:
Nelnet is not reporting my monthly payments or the correct account balance to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Real Time Group, Inc.
State: FL

Complaint narrative:
Second mortgage dated XXXX a default judgement was place in XXXX in which I was never notified, company that originated the loan has since gone out of business, Only reason I found out about it was I did a property search and found an open lien, my attorney reached out to Real time resolution to obtain a satisfaction of mortgage on my property. Since the lien was places back on XXXX the statue of limitation has expired and since original lender did not enforce or foreclosed the judgement and never renew the judgement they are illegal holding a claim which is not enforceable. I paid attorneys and spent a tremendous amount of time finding out that the statue of limitation on a judgement is 10 years, the company that bought the loan and submitted documents that they now have the right to collect has not followed the letter of the law and refuse to assist. I was never served any documents in XXXX. I live in XXXX  but have property in XXXX XXXX. I am submitting proof by there XXXX words that the statue of limitation has expired in a letter they sent, .i need a SATISFACTION of mortgage and a release as per your own words the account was charge of on XX/XX/XXXX

Company response to consumer: Closed with explanation