vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-28 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: GA

Complaint narrative:
I disputed a collections account with this credit bureau and they failed to properly verify the debt with supportive evidence that the debt belonged to me within their 30 investigation period. 

First letter XX/XX/21 Second Letter XX/XX/21

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 2021-02-28 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: GA

Complaint narrative:
I disputed a collections account with this credit bureau and they failed to properly verify the debt with supportive evidence that the debt belonged to me within their 30 investigation period. 

First letter XX/XX/21 Second Letter XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the XXXX data breach.

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 2021-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I went to get financing for a car loan. I was excited to go to the dealership until the car salesman came back into the room and informed me that he wasn't going to be able to get me financing for any vehicles. This caught me by surprise because I have always understood the importance of having and maintaining good credit history. So I always did my best to make sure I kept all of my affairs in order. So of course I was full of many different emotions when the salesman informed me that I wouldn't qualify for any financing. These negative items being reported on my credit report are not my accounts. I demand them be removed. This is defamation of character. This is also a FDCPA violation 15 USC 1692d. Reporting inaccurate items on someone credit report negatively affects a consumer 's reputation. FCRA 15 USC 1681 states that a consumers credit report is the consumer 's reputation. If these items are not removed immediately I will seek litigation. I also provided evidence to support that I was a victim of the Equifax data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CarMax, Inc.
State: CT

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. I was not expecting a bill. In XXXX of XXXX Carmax Auto Finance sent me a bill which is a violation of 15 USC 1692b. 

I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 a finance charge is the sum of all charges in a consumer credit transaction. In this transaction there was a cash down payment which CONGRESS said pursuant to 15 USC 1605 The finance charge does not include charges of a type payable in a comparable cash transaction. This means that a down payment should not have been involved with this consumer credit transaction and is ILLEGAL. 

I, XXXX XXXX, entered into a consumer credit transaction with Carmax Auto Finance on XX/XX/2017. A consumer credit transaction is a transaction in which a finance charge is involved. Pursuant to 15 USC 1605 ( 5 ) a finance charge should include premium or other charge for any guarantee or insurance protecting the credits against the obligors default or other credit loss. I have been paying separate insurance for this vehicle and that is a clear violation. Check my consumer credit sale contract and you will not see my insurance involved in my finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: TN

Complaint narrative:
On XX/XX/2021 I filed 4 disputes with Equifax about fraudulent hard inquiries on my credit report. It has been 45 days and counting and Equifax has not responded to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: BBVA FINANCIAL CORPORATION
State: IL

Complaint narrative:
All of the charges on my BBVA credit card statement for the period XX/XX/XXXX - XX/XX/XXXX were fraudulent. On XX/XX/XXXX I wrote BBVA a letter informing them of this. On XX/XX/XXXX BBVA sent me a letter informing me they were investigating the matter. Since I had not yet received a response to my letter of XX/XX/XXXX, I called BBVA on XX/XX/XXXX. They logged my call as incident # XXXX & XXXX. In the interim I have received statements with late fees and collection letters. To add insult to injury BBVA sent me a letter dated XX/XX/XXXX terminating my credit card account. 

BBVA should have its license to issue credit cards revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I contacted care credit directly to explain to them that I made an payment online. I found out that the payment was not accepted due to an website error. I then attempted to pay the payment in the amount of {$140.00} on XX/XX/2021. I was told that they wouldnt be able to help me remove the inaccurate information from my credit although the payment was made and it was not late do to any fault of my own. I also explained to them that my credit limit is {$3000.00} and not {$1600.00} that they reported to all three of my credit 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 2021-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
Upon checking my credit report i notice a debt collector on my account numerous times trying to collect debt that i have no knowledge of i have never signed a contract with them in person nor electronically neither any of thete affiliates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
Account says I was late and past due on payments when looking at account clearly show no amount was past due and I also never paid late my credit report should show this and when looked at it looks obviously wrong

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 2021-02-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I am in receipt of your correspondence postmarked XX/XX/2021 from XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NY XXXX, entitled " Notice to Mortgagor. '' As stated numerous times to no avail, I or my siblings ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ) are NOT the mortgagors of the property you reference " XXXX XXXX, XXXX NY XXXX. '' You have sent this letter in error to my siblings and me. The Estate of XXXX XXXX XXXX, for which I am the executor, has no claims from XXXX XXXX, XXXX or Select Portfolio Servicing, INC, or any other entity for that matter. This letter is both false and fraudulent. Should you have any questions, please do not hesitate to contact myself. XXXX XXXX XXXX, Executor for the estate of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX. Please cease and desist all and any correspondence with my siblings and address any concerns to the XXXX of XXXX XXXX XXXX. Again, the XXXX of XXXX XXXX XXXX is unaware of any claims against the estate. As stated numerous times to SPS, the property you reference is not part of any security interest or debt and all claims of such have been denied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I got behind on my XXXX payments with Ally Financial. I was in communication with the company and made arrangements to bring the account up to date. After I spoke to them they started calling all of my family. They called my adoptive mother, my biological mother ( who I did not grow up with ) XXXX of my brothers, my brothers wives all on the same day, and when XXXX of my sister in laws did not answer the phone they called my sister in laws parents. They told my biological mother how they were getting the information to contact all of them. He said he paid for the phone numbers for all of the people that I might be related to our had possible connections to. 
They called my husbands family as well. They did not disclose the debt but they began asking questions about where I lived, how to contact me, who I worked for etc. which they already had that information. They did all of this on the same day in a mater of hours. My sister in laws live in the same home as their husbands and after they hung up with my brothers they called my sisters in laws phones. 
This is harassment and should not be allowed. Of course my family would know what was going on when every single one of them were called within minutes of each other. They might as well have told them I was past due. They all speak to each other so everyone knew they had been called.

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 2021-02-28 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: U.S. BANCORP
State: CA

Complaint narrative:
Fidelity Rewards Visa Signature Card XX/XX/2020 XXXX # XXXX XXXX, CA {$97.00} XX/XX/2020 XXXX XXXX # XXXX XXXX XXXX, CA {$250.00} I reported to Fidelity Cardmember Services on XX/XX/XXXX after discovering above two fraud transactions immediately. I explained to Fidelity agent that I didn't purchase anything from above two stores personally nor did online shopping on XX/XX/2020 or nearest dates. 

After several calls with Customer services, the agent still insisted that card holder presented to the store and made the transactions. The agent failed to provide more details. 

Therefore, I have to ask CFPB to get involved and help to solve my case.

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 2021-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In XX/XX/2020 I applied for a refinance for a lower rate with chase. I provide all documents as they requested. On mid XXXX I got a call from one of the mortgage rep letting me know I will be closing the end of XXXX. In XXXX I was asked for paystub because it was 60 days and I sent it. I once again I got a call again asking me why I havent lock the rate thats all they are waiting. I was really confused as I thought my mortgage rep already took care of that. I messaged the rep and he said that was not true between him and his assistant I was giving the different information. The assistant did shared with me that she will be notifying her manager about the experience and all the wrong I formation, but no calls from management. At the end of XXXX got another call asking for rerun my credit due to expiring the time since I applied. I did give them authorization. I got a message of the mortgage rep letting me know that he will email management to do an exemption for closing. Three weeks later I am here waiting and no respondes from no one in the mortgage department. I am really disappointed of how chase has been handle my mortgage and how no one is communicating with each other and I continue to getting different information. At this point I want my money back and withdraw my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
Upon checking my credit report i notice a debt collector trying to collect a debt that i have no knowledge of i have never signed a contract with them in person nor electronically neither any of there affiliates

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 2021-02-28 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: NJ

Complaint narrative:
Account says I was late and past due on payments when looking at account clearly show no amount was past due and I also never paid late my credit report should show this and when looked at it looks obviously wrong

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 2021-02-28 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: NJ

Complaint narrative:
Account says I was late and past due on payments when looking at account clearly show no amount was past due and I also never paid late my credit report should show this and when looked at it looks obviously wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 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: NJ

Complaint narrative:
Account says I was late and past due on payments when looking at account clearly show no amount was past due and I also never paid late my credit report should show this and when looked at it looks obviously wrong

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 2021-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a total of {$1900.00} in overdraft fees, service charges, maintenance fees related to fraudulent charges and disputes with creditors which caused my account to go negative. Unbeknownst to me, my account was in a classification of having maintenance fees of {$15.00} if going below XXXX and a forced overdraft usage if account is negative - TD will still cover the charges even if fraudulent, and force the consumer to pay {$35.00}, when a debit is presented, another {$35.00} when rejected, and yet another {$35.00} when TD bank puts it through again. Ive had balances of XXXX {$9000.00} through XXXX up until XX/XX/XXXX, when I became hospitalized with XXXX. During the time of my high balance, TD charged me fees, yet never paid interest or guided me to any higher account. Once I was hospitalized, there was fraud on my account and disputes. I contacted TD Bank Via live chat, customer service and email on XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, spoke to several representatives XXXX, XXXX, XXXX, XXXX, last was XXXX by email who stated she represented TD leadership and she called me verbally stating TD BANK has the right to charge overdraft snd service fees related to disputes with merchants even if theyre credited back to the consumer meaning even if there is a fraudulent charge or dispute- overcharge, and merchant credits me, TD bank will still keep those charge of fees on albeit merchant admitted to the errors and issued credits, TD bank takes further advantage of the consumer vulnerabilities and pockets the fees. Even if my account went below negative, TD bank paid transactions and then billed/ collected additional fees when my account had additional funds, on certain days collecting {$35.00} x4 on one transaction alone. When TD bank was notified, they did not care if their customer was in the hospital when these errors occurred, or that I held $ XXXX balance for over a year in a simple checking with no benefits. They aim to be profitable by charging the little people and draining us dry. I am told this is illegal, it is illegal to overcharge overdraft fees, illegal to keep fees in relation to fraudulent and erroneous charges, illegal to charge for overdraft protection when I never requested it in the first place. There is {$1900.00} in fees of illegal overdraft, service and maintenance fees that were stolen by TD BANK and must be returned to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
My debt is paid in full with Midland Funding LLC, XXXX XXXX, XXXX, MI XXXX, as of XX/XX/2020. Their phone number is XXXX XXXX XXXX XXXX. Midland Funding continues to report a zero balance on my credit report. While the balance is XXXX, it shows as a current collection, which it is not. I ask that they remove the XXXX balance remark on my credit report. 

Secondly, since the account is paid in full, Midland Funding has not update the Michigan Department of Treasury. Therefore, my state of Michigan tax refund of {$400.00} was sent to them. I am requesting that Midland Funding return my state of Michigan income tax refund immediately. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-28 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon 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