vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-15 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: NJ

Complaint narrative:
I have reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft.I do not recognize these accounts, and have never incurred debt with these creditors. I do not know where they came from.

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 2021-07-15 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: TX

Complaint narrative:
I have already sent complaints about this matter than has been resolve only mad worst. I have an account on my consumer report that XXXX XXXX XXXX XXXX has yet to provide me with a contractual agreement, proof ANYTHING that I owe this alleged debt. Instead they submit to the credit bureaus a higher balance before. This company is hung up on me twice when I ask for the period that I owe because this I clearly FRAUD. I contact all THREE bureaus who all can not provide me with PROOF I owe this debt. XXXX  sent me a copy of my consumer report as proof saying I owe they debt. They KNOW BETTER than that. A copy of my consumer report is not proof I owe a debt. No one still have sent anything providing I owe this debt. At this point I will be contacting my attorney if not handle in a fair matter.

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 2021-07-15 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: TX

Complaint narrative:
I have already sent complaints about this matter than has been resolve only mad worst. I have an account on my consumer report that XXXX XXXX XXXX XXXX has yet to provide me with a contractual agreement, proof ANYTHING that I owe this alleged debt. Instead they submit to the credit bureaus a higher balance before. This company is hung up on me twice when I ask for the period that I owe because this I clearly FRAUD. I contact all THREE bureaus who all can not provide me with PROOF I owe this debt. Equifax sent me a copy of my consumer report as proof saying I owe they debt. They KNOW BETTER than that. A copy of my consumer report is not proof I owe a debt. No one still have sent anything providing I owe this debt. At this point I will be contacting my attorney if not handle in a fair matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: VW Credit
State: GA

Complaint narrative:
On XX/XX/2021, I requested and received a payoff amount from Volkswagen Credit for a a XXXX XXXX I was leasing at the time. I then proceeded to trade in the XXXX and lease another vehicle at a XXXX dealership. According to the XXXX dealership, they confirmed the same payoff amount with Volkswagen Credit and sent the quoted payoff amount which was received but not applied to my account. Volkswagen Credit now claims, almost a month later, that the payoff amount received was short approximately {$6500.00} because there is a different payoff amount for consumers versus third-party buyers, in this case the XXXX dealership. However, there is not any notification or indication on the consumer website that there are different payoff quotes for a VW Credit customer and third-party buyer. The XXXX dealership and I have both made attempts over the last 2-3 weeks to contact and discuss the situation with Volkswagen Credit but have been able to reach someone who would discuss or resolve the situation. Neither the XXXX dealership or me are interested in paying the difference in payoff amounts and are working to undo the deal made over a month ago -- where I've already made payments to XXXX. Now, I am in the position to have to make multiple payments to VW Credit to avoid any negative reporting on my credit report. In addition, this third-party buyer payoff policy essentially prevents consumers from turning in a leased vehicle to anyone but a XXXX dealer -- which seems like it is an unfair practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I recently was reviewing my credit file and noticed that my account with Capital One had closed and had a few late notations. I had set up automated payments through the online systems and thought that i was good to go. I was not aware the account was delinquent nor was i aware that the account was closed. I was never contacted about a past due balance or about the account closing. I would like Capital One to remove the lates from my credit file, they are erroneous. I set up automated payments to be drafted through he online systems and payments were not being drafted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: NY

Complaint narrative:
The accounts listed above do not reflect any correct transactions done by me. My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE NOW.

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 2021-07-15 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: AL

Complaint narrative:
I made a settlement arrangement through the courts with XXXX XXXX XXXX. Arrangement was honored in 2019 but credit report is stilling showing this has delinquent but it is not. The arrangement has been paid off since 2019.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I paid my vehicle in full on XX/XX/2021. Prior to paying my car off, I had made a payment arrangement to make payments on XX/XX/2021 and XX/XX/2021. They started charging late fees and sending several notices about my need to pay off balance. I was shocked that they being so aggressive about 2 deferred payments that extended my loan date being XX/XX/2021. I borrowed money from my sister and paid my balance in full on XX/XX/2021. I contacted customer service twice as having assurance no money to be charged as I paid vehicle in full. The second time I contacted them was about a letter to take money out of my account. I called customer service to ask about the letter stating my car was paid off. They said yes my car was paid in full. On XX/XX/2021 Chase auto took {$350.00} from my bank account Today is XX/XX/2021 and and I have yet to receive my money. I am on social security. Their actions caused me over draft charges and I had to borrow {$350.00} dollars from my sister in order to bring my bank balance back to pay the funds Chase bank took from me. I do not believe their poor business practices are ethical. I paid my balance on me loan on XX/XX/2021 on XX/XX/2021 they took my money. I do not believe that should have ever happened. I feel they should have immediately reimbursed my money and as of XX/XX/2021 I have yet to received my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
I sent XXXX XXXX ( XXXX, TX ) {$500.00} as sublet deposit on XX/XX/2021, via Zelle. But after a few days, it turned out this person is a scammer and I can't reach him any more after paying the deposit. I called XXXX customer service on XX/XX/2021 and reported the Zelle scam. They filed a scam report case number XXXX with Zelle. 

Then I called Zelle 's customer support. I could only reach Zelle 's in-app customer support and they couldn't look up the case number because I was using Zelle with a bank not the Zelle app. They transferred me back to XXXX customer support once they heard that I was using XXXX to send Zelle payments. Finally I got connected with a XXXX customer support who knew what was going on and told me to wait for results. 

Only recently did I receive words from XXXX that Zelle responded on XX/XX/XXXX, that they were unable to return the funds because it was not a scam. How were you able to make that decision without even getting materials from me the victim? 

Here 's all the materials that I can provide via this site to show that this is an actual scam. 

I filed a police report with XXXX PD. More background on the scam : I saw the sublease post on XXXX. Then started texting the scammer with phone number XXXX XXXX XXXX ( now doesn't exist ). After getting the details about the sublease over several days of communication, we had a XXXX video call. Then we finalized on the sublease contract. We both signed and sent the copy via email XXXX ( used for Zelle but now unregistered ). I paid a {$500.00} deposit via Zelle during the signing. Afterwards, the scammer can no longer be reached. Original XXXX  post was deleted : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These medical accounts are reporting on my credit report from a third party vendor and by law credit bureau 's can not report OK legally from a third party vendor

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 2021-07-15 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Happy Money, Inc.
State: FL

Complaint narrative:
On or about XX/XX/2021 I applied for a debt consolidation loan with Payoff.com. They initially offered me a rate of 6.65 % for 36 months on a {$40000.00} loan which is their lowest rate for this term and amount. This loan was meant to pay off some existing obligations - thus the debt consolidation. I have an 800+ credit score, and an income in the top 5 % nationally ; furthermore, I have an impeccable record of paying my obligations on time. Per their requests, I submitted W2, Paystubs, and other related documents ; however, they declined my loan request, on the basis that I had a hard inquiry on my credit report. This inquiry was associated with me shopping around with my current lender to see how they compared to Payoff.com 's offer. 

I believe that they are redlining me and effectively denying me credit that would otherwise be available, because I chose to exercise my right to shop around with their competitors. I believe that their actions are in violation of Fair Credit Reporting Act, and beyond the scope of Truth In Lending Act, by not disclosing that such inquiry could have adverse impact. Their actions are anti-competitive and hypocritical to their stated mission. 

I contact them via email and phone on XX/XX/2021 with regards to this situation and their supervisors and team leads only read me jargonesque filled responses and did not try to help nor did they provide a positive adjudication even though the facts would warrant otherwise. 

What these people are doing is illegal and should be investigated. I kindly request that an investigation be initiated. I am sure there are thousands of other impacted consumers nationally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Wells Fargo home mortgage underwriter XXXX XXXX in XXXX NC failed to identify cash deposit during our pre-approval on XX/XX/21 which resulted in the failure of securing a home loan. The problem was identified XX/XX/21 but no loan officer communicated this until 10 business days later, which was also 2 business days before the closing date. The problem could have been resolved by simple communication which they absolutely failed to do. Knowing underwriting requires 3 business days before close, the home seller backed out of the contract. 

Wells Fargo then claimed no fault resulting in my loss of out of pocket expenses in the amount of {$1300.00}. This obviously doesn't account for my time, change in market value, and walk-in equity as the home appraised $ XXXX over sell price. 

Due to daily changes in the area housing market, no other comparable home has been found which does not sell for at least $ XXXX over our contract sell price for the home we lost.

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 2021-07-15 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Comerica

Complaint narrative:
I am a US citizen in XXXX. 
I have made multiple failed attempts over the course of years to change my mailing address for the Comerica Bank Direct Express program. Now my card is expired so I am unable to get a new one unless I can change my mailing address. In about half a dozen attempts to call from XXXX, using the numbers on the back of the card, I have never reached a human being. In an earlier attempt, I was able to reach the automated phone system but was unable to type the information requested fast enough to avoid timing out. In the latest attempt, I got a " number not in service '' message for the international number on the back of the card. I sent a postal express mail letter with my identifying documents, to their address over a month ago, but have received no response. 

How are people who have difficulty with phones ( like me ), or have calling plans that don't allow for international calls ( like me ) supposed to manage their Direct Express accounts with no other means of contact? If phones are the only allowed means of contact, there should be human operators who answer every call right away. Making contact so difficult smacks of deliberate intent to hold the money. 

Over two years ago there was a failed ATM transaction that was deducted from My account. I have been unable to report it to initiate a resolution. 


P.S. I wonder what became of the letter I sent containing the copies of identifying documents ; was it just thrown in the trash leaving the documents for any trash collector to find?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: TX

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2021 I went in to a chase bank and opened an account, Everything was fine, I waited a week for my card to arrive in the mail and on XXXX XXXX I deposited my first check which was given to me by my employer. Chase decided to put my funds on hold and told me that it will not be available until XX/XX/2021. I called in multiple times to have my funds be made available but they told me that they needed verification from my employers bank so I spoke to my employer and he informed that the funds have already been withdrawn from his account however Chase told me that XXXX  XXXX XXXX does not allow verification over the phone and that my funds will automatically be released on XX/XX/XXXX. I received a letter in the mail on XX/XX/2021 stating that chase has decided to close my bank accounts without any reason at all on XXXX XXXX so I called them and they told me that they can not provide me with a reason and that this is decision that was made after careful consideration and that I will not be able to open up a bank account with chase. they refuse to release my funds so that I can withdraw my money. Now I have to wait another 2 weeks to receive a check in the mail after my funds become available. This has been a nightmare! I have never in my life experienced anything like this. I ' am very disappointed on how they handled me as a customer this truly has been the worse experience I have ever had.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15 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: MI

Complaint narrative:
XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$27000.00} Account status - Open Date opened - XXXX XXXX XXXXXXXX Account type - Auto Loan This is a fraudulently opened account XXXX XXXXXXXX XXXX XXXXXXXX Account Info Account number - XXXX Balance - {$20000.00} Account status - Open Date opened - XXXX XXXX, XXXX Account type -Auto Loan This is a fraudulently opened account XXXX XXXXXXXX XXXX XXXX  Account Info Account number - XXXX Balance - {$24000.00} Account status - Open Date opened - XXXX XXXX XXXXXXXX Account type -Auto Loan This is a fraudulently opened account XXXX Account Info Account number - XXXX Balance - {$8400.00} Account status - closed Date opened - XX/XX/XXXX Account type - charge This is a fraudulently opened account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Info Account number - XXXX Balance - {$680.00} Account status - closed Date opened - XX/XX/XXXX Account type - collection

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