vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MECHANICS BANK
State: CA

Complaint narrative:
Mechanics Bank is where the VA has placed disibility compensation due to congress granting VA the authority to appoint a fiduciary for a VA beneficiary who is rated unable to control or manage his or own affairs or under a legal XXXX and incapable of managing VA benefits in an appropriate manner. In some instances, the appointment of a fiduciary may necessitate the allowance of a fee from the benefits payable to me as payment for the fiduciary services provided. 

The XXXX has been requested to be removed due to incompetence of managing comepensation through the VA to contest their orginal decision, which by the way was denied according to the decision letter that was mailed to my residence. Also the VA failed to acknowledge the medical providers note to remove the fiduciary and overwhelming evidence displaying incompetence by the assigned fiduciary. Recent events really conveyed a clear message to dismantle credit and other finances. This is now viewed as a serious XXXX attack by both XXXX XXXX XXXX and Mechanics Bank. 

Mechanics Bank was alos provided an in depth report regarding credit card payments that were reversed due to false reporting by XXXX XXXX XXXX Payments are typically mailed to the credit card companies, I elected to have the payments processesd electronically due to the fact that mailing was causing delays in payments. Using the routing and account number. Fraud was mis-used by XXXX XXXX XXXX, in which the bank was also warned a head of time to prevent XXXX XXXX XXXX XXXX XXXX XXXX from reporting electronic transactions by me as if they were fraudulent. The bank ignored the warning which was made by telephone. 

I provided the report in the branch managers hands, she handed it back to me and stated that I made deposits into interest savings account. She named them as well. Why this was more important to her than the reversed credit card payments is most likely another example of mis-use of authority and plotting or conspiring with indivduals with mutual interests. This is a an act of terror. The manager and staff as well XXXX XXXX XXXX, is mentally incompetent to be employed in the industry of finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX, XXXX XX/XX/XXXX XXXX Credit Bureau Name Bureau Address Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/XXXX Accounts are being reported with different either different payment statuses or the balance is {$0.00}. Under date last active. If this is the same account being reported by the same creditor why is the information different? Furthermore, if my balance is XXXX, why is the account still on 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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX TX, XXXX XX/XX/XXXX XXXX Credit Bureau Name Bureau Address Im Writing to you today in shock due to The fact that after reviewing my credit file, I found several errors you are reporting which are hurting my good name. I expect you to listen to my instructions and get this taken care of swiftly. 

XX/XX/XXXX Accounts are being reported with different either different payment statuses or the balance is {$0.00}. Under date last active. If this is the same account being reported by the same creditor why is the information different? Furthermore, if my balance is XXXX, why is the account still on 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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
My vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX in Colorado. Balance written off in the amount of {$9200.00}. In XX/XX/XXXX, XXXX XXXX XXXX  XXXX received {$3200.00} from XXXX XXXX for a hail damage claim for said vehicle, which should have left a balance owed of {$6000.00}. The vehicle was a XXXX XXXX XXXX and worth approximately {$6000.00}. I spoke to an agent for XXXX XXXX XXXX XXXX in XX/XX/XXXX who informed me about the sale of the vehicle. XXXX  XXXX gave away the vehicle at a dealer 's auction for only {$800.00} in approximately XXXX or XX/XX/XXXX, and is claiming a deficiency of {$7100.00}. In XX/XX/XXXX, XXXX XXXX was willing to accept {$1500.00} as settlement of the " deficiency '' with payments of {$25.00} per month at that time, but I questioned the unreasonably low sale of the vehicle at that time. The sale of the vehicle was not commercially reasonable. On XX/XX/XXXX, via certified mail, I requested proof that the notices required under UCC 9.506, 9-611, 9-612 and 9-613 were properly and timely given. XXXX XXXX received and signed for my certified letter on XX/XX/XXXX, and had 15 days to respond. XXXX XXXX did not respond. XXXX  XXXX XXXX XXXX can not claim a deficiency unless all notices were properly and timely given and all allowable redemption and cure time limits were adhered to. I then wrote to XXXX, XXXX  and TransUnion on XX/XX/XXXX, via certified mail. I requested that I be provided the name of anyone with whom they spoke at XXXX XXXX XXXX XXXX during any investigation into the above matter. XXXX  has responded with generic information about the dispute being " complete '' and only reaffirmed the same information being reported by XXXX XXXX XXXX XXXX. XXXX XXXX has reported for 48 months ( since XXXX ) that the account was charged off claiming a balance of {$7100.00}. If XXXX XXXX did not realize they gave away the collateral on their own loan at that time when settlement was offered at {$1500.00} in XX/XX/XXXX, then why make the offer? However, XXXX XXXX has continued to verify the amount due of {$7100.00} which can not be substantiated. No notices were given to me. The sale of the vehicle was not commercially reasonable. I am requesting the account be completely removed 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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
My vehicle was repossessed by XXXX XXXX XXXX XXXX in XX/XX/XXXX in Colorado. Balance written off in the amount of {$9200.00}. In XX/XX/XXXX, XXXX XXXX XXXX  XXXX  received {$3200.00} from XXXX XXXX for a hail damage claim for said vehicle, which should have left a balance owed of {$6000.00}. The vehicle was a XXXX XXXX XXXX and worth approximately {$6000.00}. I spoke to an agent for XXXX XXXX XXXX XXXX in XX/XX/XXXX who informed me about the sale of the vehicle. XXXX  XXXX gave away the vehicle at a dealer 's auction for only {$800.00} in approximately XXXX or XX/XX/XXXX, and is claiming a deficiency of {$7100.00}. In XX/XX/XXXX, XXXX XXXX was willing to accept {$1500.00} as settlement of the " deficiency '' with payments of {$25.00} per month at that time, but I questioned the unreasonably low sale of the vehicle at that time. The sale of the vehicle was not commercially reasonable. On XX/XX/XXXX, via certified mail, I requested proof that the notices required under UCC 9.506, 9-611, 9-612 and 9-613 were properly and timely given. XXXX XXXX received and signed for my certified letter on XX/XX/XXXX, and had 15 days to respond. Capital One did not respond. XXXX  XXXX XXXX XXXX can not claim a deficiency unless all notices were properly and timely given and all allowable redemption and cure time limits were adhered to. I then wrote to XXXX, Equifax and XXXX  on XX/XX/XXXX, via certified mail. I requested that I be provided the name of anyone with whom they spoke at XXXX XXXX XXXX XXXX during any investigation into the above matter. XXXX  has responded with generic information about the dispute being " complete '' and only reaffirmed the same information being reported by XXXX XXXX XXXX XXXX. XXXX XXXX has reported for 48 months ( since XXXX ) that the account was charged off claiming a balance of {$7100.00}. If XXXX XXXX did not realize they gave away the collateral on their own loan at that time when settlement was offered at {$1500.00} in XX/XX/XXXX, then why make the offer? However, XXXX XXXX has continued to verify the amount due of {$7100.00} which can not be substantiated. No notices were given to me. The sale of the vehicle was not commercially reasonable. I am requesting the account be completely removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 

TD RETAIL CARD SERVICE Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I received an annual escrow statement dated XX/XX/XXXX and noticed the homestead exemption I was granted was not included on the statement. ( new statement reflects a monthly payment increase of almost {$400.00} d/t county tax. I called mortgage company and they asked for me to send " granted '' document to research dept and provided me with fax number. On XX/XX/XXXX I called to follow up on fax and was told to give it 'a couple of days '' On XX/XX/XXXX I called the mortgage company ( Amerihome ) and was informed that the fax was wrong & the document should have been sent to the Tax Dept and was provided a new fax number and faxed the form on XX/XX/XXXX. I called on XX/XX/XXXX and was informed that " a letter has been mailed to you and you should receive within a week '' The employee said she could not see what the letter was about. I logged into my online account to check messages and nothing was sent. On XX/XX/XXXX I called back and was informed there was no record of any fax to research or tax department. On XX/XX/XXXX I emailed the mortgage company " XXXX '' and sent both fax confirmations and granted homestead exemption along with my account information. On XX/XX/XXXX I emailed them again requesting for someone to help/ contact me. When I called on XX/XX/XXXX I was informed that " the research department has until XX/XX/XXXX to research and make decisions '' In the meantime my payment is due XXXX and I have until the XXXX until it is considered " late '' I called the Attorney General who left me a voicemail to contact CFPB. Today I phoned the mortgage company and informed them that I called the Attorney General. They have located my document and now say it will be another 10 days to review. I have been in continuous contact with this mortgage company since XX/XX/XXXX requesting for the granted homestead exemption to be applied. I can not help but reach out since I believe they are doing this intentionally. I don't want a " late payment '' while rectifying the issue, however the mortgage company personal on the phone today confirmed that if I pay the new amount that I am " accepting '' the new monthly amount and will be up for a homestead exemption for XXXX. This is unacceptable. I closed on my house XXXX of XXXX and filed for the exemption in XX/XX/XXXX for XXXX, that was within the deadline and accepted by the county tax department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 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: Risecredit, LLC
State: TX

Complaint narrative:
Never heard of this company of requested any amount

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I have sent multiple letters to EQUIFAX about the XXXX  XXXX XXXX account on my credit report but nothing has been done so far and this unacceptable. The account is in violation of the Federal Credit Reporting Act and should be deleted from my credit report immediately. Interests and fees have been added to this account even though it is charged off which is a violation of the FCRA! I have attached documents on here to prove my case. Delete this account immediately!! It is clearly visible, I even circled the most important information on these documents. Unless you are blind or getting paid by XXXX  XXXX XXXX you should clearly see what I am talking about. I am not going to give you ( Equifax ) 30 or 60 more days since I have already waited too long. I have mailed you multiple letters about this issue and I have the usps return receipt for every letter that I have sent to you. I am giving you ( 3 ) three days to delete this account from my credit report. Just look at the attachments. If you ( Equifax ) do not delete XXXX XXXX XXXX from my credit report I will sue you in federal court if this how I can get your attention and I am not even joking. I have also so attached on here the form to sue you so will understand that I am not joking. The form is ready to be filled in and sent out. Delete this account from my credit report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Original Complaint Number : XXXX I received a response to this complaint back on XX/XX/21, since then I have contacted the individual who responded 5 times and have received no contact back after several voicemails to her and one of her colleagues. 

I am extremely displeased with this level of customer service especially during a time that I am trying to complete/close/pay this company for a charge off account. This person ( XXXX XXXX ) tells me I am responsible for the incurred debt and says I can make payments for the debt, yet I can not get anyone from this department to call me back. 

This is ridiculous. I am very upset about this situation and would like it to be resolved as quickly as possible!!!

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 2021-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
This issue is a problems with my Barclays Jetblue credit card. I made a XXXX XXXX purchase in XXXX. The purchase was cancelled and XXXX XXXX has confirmed a refund to my credit card of {$4200.00} however, the credit does not appear anywhere on my account. 

I have made multiple attempts to dispute the charge and I have been given multiple and conflicting answers as to why the credit does not appear on my account. The first dispute I made. I received a letter that Barclays ' own investigation verified the refund but no one could show me where it appeared on my statement. They pointed to other XXXX XXXX credits but I explained there were two charges that were refunded. One refund is reflected but the other was not. 

I filed a complaint with the XXXX and was contacted by the office of the president once. I spoke with XXXX XXXX and she acknowledged that she could clearly see that I only got refunded for one charge but not the other charge. She stated she would contact the dispute department and would help but since then, I have received multiple letters staring that the dispute was not found in my favor. I called the office of the president 3 times to speak with XXXX XXXX, the person I spoke to, and she has never returned my call.

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 2021-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Been submitting modification paperwork since XXXX, was taken out XXXX and resent, then get another letter from wellfargo sayig need more paperwork and nothing was sent! LIARS AND VIOLATION OF FDCPA now faxing again XXXX and XXXX. SELF EMPLOYED XXXX XXXX  AND WANT 6 MONTHS XXXX XXXX XXXX ONLY NEED 3 MONTHS FOR ALL NOT 2 SEPERATATE! So tired of ther lies and say nothing was sent XXXX sent paperwork in XXXX and said wasnt received! GOING TO COMPLAIN EVERY TIME UNTIL SOMEONE AT WELLSFARGO HAS A 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 2021-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: FC HoldCo LLC
State: TX

Complaint narrative:
on XXXX I was advised that I could apply for a temporary mod ( temp reduction in payments ). That representative was very professional and detailed. She advised me that it would be approximately that following Wed XXXX before it will be reviewed. However, I was advised on XXXX that it has yet to be reviewed and I should call back. I called back I believe on XXXX and was advised that it was approved but was awaiting to be processed. Out of concern to avoid 90 day reporting I called back two days later and was advised that due to the changes, it has been approved however it has not been processed. I called back on XXXX only to be informed that it was denied. I then requested for a supervisor only to be told that their que was busy and someone will call me back. No one called, so I called today XXXX asked for a supervisor and was transferred to Mr.XXXX. He advised me that I was given the wrong information and the process was not fully explained to me. I advised him that was an area of opportunity and I requested that he review the phone calls from starting XXXX until today. He advised me that it will take 72 hours for him to review and get back to me. My account is listed as cease and desist, however I verbally gave Mr. XXXX permission to return my call after reviewing the calls. Because I am also a collector with working experience with some of their employees, I feel my account has not been treated the same as any other consumer.

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 2021-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
Hello. I originally started disputing what I found to be inaccurate information on my credit report with TransUnion on XX/XX/2020. On XX/XX/2020, I received a notice that stated the information was verified, but TransUnion failed to send me the documents used to verify it. They simply " updated '' the account. On XX/XX/2020, after reviewing my full credit report again, I send another letter to TransUnion with more requests for them to look into a number of accounts they were inaccurately reporting. They failed to respond within the 30-day window, so I sent yet another letter on XX/XX/2020. When they did respond on XXXX, they noted accounts were updated again but completely ignored my requests for documents to verify. 

I am tired of them using these stall tactics. It has been 6 months and they are still unwilling to properly respond to my requests.

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