vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 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: TN

Complaint narrative:
XX/XX/XXXX Re : XXXX XXXX XXXX ; XX/XX/XXXXXXXX XXXX On XX/XX/XXXX, I sent my notarizes affidavit, on XX/XX/XXXX, I sent my certified letter with return receipt. You have been non compliant and YOU BROKE THE LAW AND IS IN VIOLATION OF THE FOLLOWING SUBSECTIONS 15 U.S.Code 1681 OF THE FCRA, Before I proceed I would like to make it clear to your company, and those in positions of authority at your company that congress makes it clear that the banking system is dependent Upon my consumer reports being fair, and accurate to me, pursuant to 15 U.S.Code 1681 ( a ) ( 1 ).

Pursuant to 15 U.S.Code 1681 ( a ) ( 2 ) congress made it clear that you are an elaborate mechanism with no real standing, or authority.

Pursuant to 15 U.S.Code 1681 ( a ) ( 3 ) You were not given this role. You assumed this vital role, and because of your assumption you have negatively affected my life, and those around me causing me severe hardship, mental anguish, and XXXX, I have been unable to get a job and extend new credit because of you assuming this role. 

Pursuant to 15 U.S.Code 1681 ( a ) ( 4 ) You were unfair in reporting this erroneous information without first consulting with me the consumer : You have no proof that this transaction even took, place you were also impartial because you allowed information to be reported while only hearing one side of the story. 

You have been reporting inaccurate information under FALSE PRETENSES.

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 2022-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WY

Complaint narrative:
I was consignor on a vehicle lease. XX/XX/XXXX financial indicated a payment was late and reported that to the credit bureaus. I was not notified of the presumed late payment. I contacted XXXX financial several times to get specifics, ie date received and amount to compare to the XXXX on the lease. Somewhere the lease must have been renegotiated due to Covid. I was not aware of that.XX/XX/XXXX financial has been uncooperative in my attempt to obtain information, yet left negative actions on my credit report. Bank statements indicate a different payment status than 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 2022-01-29 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: WY

Complaint narrative:
I was consignor on a vehicle lease.XX/XX/XXXXfinancial indicated a payment was late and reported that to the credit bureaus. I was not notified of the presumed late payment. I contacted XXXX financial several times to get specifics, ie date received and amount to compare to the XXXX on the lease. Somewhere the lease must have been renegotiated due to Covid. I was not aware of that. XX/XX/XXXX financial has been uncooperative in my attempt to obtain information, yet left negative actions on my credit report. Bank statements indicate a different payment status than 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 2022-01-29 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: WA

Complaint narrative:
Transunion continues to report an account XXXX & XXXX they claim was deleted. I spoke to an agent on XX/XX/2022 and he told me that this account was removed from my consumer report. I pulled my Transunion consumer report on XX/XX/2022 and this account is still being reported. I also contact Transunion in regards to other accounts reporting on my consumer report. I asked the agent from Transunion if they will continue to violate my consumer rights and had replied " Yea, OK several times. I sent Transunion a letter which they received on XX/XX/2022 of instruction on how I want my consumer report to be furnished. This is in accordance with 15 USC 1681b ( 2 ) permissible purpose. This Federal law is also on their website. Transunion has refused to comply with the FCRA and has been negligent in its reporting. I also reached out to corporate to resolve this and have not received any response. Transunion is liable to me the consumer under 15 USC 1681n, Civil liability for willful noncompliance.

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 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
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: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
My wife, XXXX XXXX, ordered a desk from XXXX on XX/XX/XXXX. It was delivered on XX/XX/XXXX. She refused the desk because it was not assembled. The product description did NOT say unassembled. XXXX initiated the refund on XX/XX/XXXX, saying the refund would be received in 3-5 business days. As of XX/XX/XXXX, the refund was not received. On XX/XX/XXXX, XXXX started a dispute for the charge of {$450.00} with Navy Federal Credit Union. She attached all the pertinent documents with the original claim. Navy FCU sent a message in their message center requesting more documents on XX/XX/XXXX. She replied, " The information you requested was attached to the claim on XX/XX/XXXX. On XX/XX/XXXX, Navy FCU closed the case, stating I did not send the information. This is a regular scheme that Navy FCU engages in not to settle a dispute. This has happened before with other XXXX or XXXX disputes.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PR

Complaint narrative:
I paid Shellpoint Mortgage Servicing ( account XXXX ) all that I owed to them and I requested from them to mail me and my wife tha original mortgage note we signed them when we originally made the loan. They kkep on mailing us a photo copy of the mortgage note and not the original. I need the original document in order to cancel the mortgage in the XXXX XXXX according to the laws of XXXX XXXX XXXX We are afraid that Shellpoint has negotiated the original mortgage note to a third party and we loose our house. We filed a complaint through CFPB ( XXXX ) and XXXX send us copy of everything but never maied us the original of the mortgage note, althought, they said that they complied. That was not true. They lied to us and to you. We do not thurst them. We can not cancel our mortgage ( lien ) without such original document to which we have full right to have. Our address is : XXXX. XXXX, XXXX, XXXX XXXX. My postal addredd is : XXXX XXXX. Box XXXX, XXXX XXXX, XXXX. XXXX, phone : ( XXXX ) XXXX. Please, Help Us. WE DO NOT WANT TO LOOSE OUR HOME.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
XX/XX/XXXX : Bank of America claimed a {$600.00} CC payment check from me, dated XX/XX/XXXX, had been " not been received. '' It charged a {$25.00} late fee on XXXX account. 
XX/XX/XXXX : That check was replaced, and the total credit card outstanding balance ( approximately {$790.00} ) paid, by bank transfer from our account to Bank of America. 
XX/XX/XXXX : The credit card account was closed, all agree, with zero balance. 
XX/XX/XXXX : Bank of America endorsed and presented the long- '' lost '' check for payment to my bank, XXXX & XXXX ; it was paid despite being a stale check. ( I had requested it be stopped, but apparently from my not going to the branch to sign a form, it was not. ) XXXX XXXX, XXXX : I got XXXX & XXXX bank statement and contacted BoA customer service ; call was escalated ; I was promised repayment in " 2-5 business days '' and was asked for my bank account info so that BoA could transfer {$600.00} to my wife 's and my account. 
XXXX XXXX, XXXX : No funds returned by BoA in 9 days. Received instead ( by mail ) a XXXX statement, for period supposedly ending XXXX XXXX, XXXX, showing a {$600.00} " credit ''. Our BoA credit cards were long since destroyed, no way to use this " credit '' even if the account were open. We have no other relationship to Bank of America. 
XXXX XXXX, XXXX : I visited my bank and the XXXX XXXX XXXX branch manager called Bank of America with me, was told the CC account " is closed with a {$600.00} credit ''!! BoA representative said the {$600.00} would be returned in " 1-2 billing cycles ''. I protested their keeping this fraudulently acquired money for three months XXXX XXXX XXXX. Call was again escalated. My branch manager was promised return of the {$600.00} in " 1-3 business days '', and an immediate fax of confirming document. 
XXXX XXXX. No fax to XXXX & XXXX bank branch manager. No {$600.00} returned to our account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This company contacted me called the XXXX XXXX XXXX on XX/XX/2022. They said they were working with the government and that I could be eligible for their plan. I signed numerous of documents and one of the documents included the power of attorney document and monthly payments of {$190.00} from XX/XX/2022 to XX/XX/2022 which is a total of {$970.00}. They also stated that after those payments are done, Ill have to pay 5 $ for the next 240 months then when that is done, theyll take away {$26000.00} from my loans. I didnt give them my FSA ID but they somehow got into my FAFSA and gave me a new password. I started realizing this may be a scam the day after which is now when I started doing my research and wasnt seeing any information of this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: PA

Complaint narrative:
XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$3500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$2500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$1000.00} We paid the company " XXXXXXXX XXXX XXXX '' painting company and never received services rendered. We are on vacation for 7 days and they said that they started painting our house and set pictures that it was almost complete just to come home to a home that was never painted and we have fought and tried to solve it with the company but it one excuse after another with them.

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 2022-01-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Credit Karma, LLC
State: IN

Complaint narrative:
On or about XX/XX/2021, I logged on to Credit Karma to view my credit score, as I do on a regular basis. On the Dashboard overview of my credit report summaries, Credit Karma suggested that I apply for refinancing of my auto loan due to my high-interest rate. It was stated how much I would save each month, which would be significant savings. I was excited about this because my student loan monthly payments were due to start again at the beginning of the year. When I logged onto my Credit Karma account that day, I was not shopping for auto refinancing. 

I believe there were three auto refinancing companies to choose from, each showing their interest rate and my new monthly payment. I chose the company called AutoPay. The options shown made me believe that I was already pre-approved for auto refinancing. I thought this must be due to a large percentage already paid off on my original car loan in a short amount of time and my timely monthly payments. 

I received an email from Auto Pay on XX/XX/2021 giving me their loan findings. They sent my personal information out to several other auto financing companies and all the companies pulled a hard credit check on me. AutoPay said they could not approve me and try again in the not too distant future. They acted like this wasn't a big deal and try again. I was devastated because I believed I was already approved for the refinance with a lower interest rate and monthly payment.

Credit Karma was and is still posting that my auto payment is too high and to refinance my loan with AutoPay.

I am submitting this complaint due to misleading advertising practices and not making it clear that AutoPay is not an actual loan company but just an auto loan broker. Therefore, my personal information was sent to many other auto refinancing companies. They placed hard inquiries on my credit reports and I am still receiving denial letters from these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: AL

Complaint narrative:
as of receiving my credit report I noticed things I did not do and places I have not lived. Unauthorized activity I would like them permanently deleted from my credit. There are wrong addresses of places I have not lived and different spellings of my name and accounts I did not create nor authorize. Wrong Addresses include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX  XXXX XXXX, AL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AL XXXX. Wrong XXXX of my name include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, balance {$560.00} XXXX XXXX which I have never rented a car. Car Loan Not by me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Medical Bill Not by me : XXXX XXXX Physician XXXX, Balance {$280.00} 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 2022-01-29 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: GA

Complaint narrative:
*Latter mailed to Transunion dated XX/XX/XXXX for account XXXX XXXX XXXX XXXXXXXX Your company continues to manipulate information listed on my credit report. You've removed payments from my payment history. Also you listed this account closed as of XX/XX/XXXX then re-opened as if this is an active account. What month was the vehicle in question " repossessed ''? This is also not listed on the report. If this account is charged off why are you listing it as open and active with an active payment history? Provide me with the full and correct payment history. Advised the correct date of first delinquency, provide the estimated date of removal of this account. Please do not send me a letter stated that this if was verified with the data furnisher, this will not suffice. Provide me with documentation that the data furnisher is providing. This is a clear violation of the FCRA as you continue to falsely manipulate the statue of limitation. Please remove this account from my report and provide me with an updated credit report by mail. * XX/XX/XXXX, I receive notification that may dispute was completed. The account was updated not changes were made. Besides the XXXX  date being manipulated to show XX/XX/XXXX, the charge off account status as Active and dispute status as Account not disputed. All of which are a clear violation of the FCRA. Ive been requesting proof of how this account is being verified for going on two years now and this company will not furnish me with said documents.

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 2022-01-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NJ

Complaint narrative:
Hi All, I can't afford to paying mortgage. If you any option to get help please provide that information

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 2022-01-29 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Don't want a card provided by your employer or the government
Company: Chime Financial Inc
State: IL

Complaint narrative:
1. Received XX/XX/22 XXXX. " CHIME DEBIT VISA '' 3. Includes my name, routing number, account number, exp date, and CVV on card 4. Includes paperwork with my personal information with the request to activate and sign to allow my employer to direct deposit my paycheck to get paid " 2 days early '' 5. I did not request this card or services. I have never heard of CHIME before receiving this. 

chime.com XX/XX/XXXX, member FDIC XXXX XXXX XXXX XXXX XXXX, XXXX DE XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: PA

Complaint narrative:
XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$3500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX {$2500.00} XX/XX/2021 purchase XXXX XXXX XXXX XXXX  {$1000.00} We paid the company " XXXX XXXX XXXX XXXX painting  company and never received services rendered. We are on vacation for 7 days and they said that they started painting our house and set pictures that it was almost complete just to come home to a home that was never painted and we have fought and tried to solve it with the company but it one excuse after another with them.

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 2022-01-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: CT

Complaint narrative:
Company lost lawsuit against me which was withdrawn without COST to any party. 

Didnt live in state at the time of suit thats why judge withdrew. 

Never agreed to any threats or debt for new collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: NC

Complaint narrative:
To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : I C System. This company opened an account using my personal information with no authorization from me. I C System has reported to The Bureau that the accounts of the alleged debt are open and active but listed under derogatory marks. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for this company, and the process has not started. XXXX sent a response letter providing me with the contact information for the debt collection company in which I have already sent a validation letter. I C System has reported an incorrect illegal account to The Credit Bureau without consent from me. The Bureau reported that the account was valid. I spoke with this company and explained that the devices were returned to the alleged Original Creditor. The Original Creditor was listed on my credit as XXXX XXXX which is incorrect. I am a consumer which makes me the Original Creditor. I also explained that the final bill was paid, and the account was closed. I requested that I C System provide me with a contractual agreement between them and I containing my signature. The document requested should show that I agreed to open an account using my name, address, phone number, social security number, etc within their establishment. I do not owe this company and the alleged debt has already been paid. This tactic is listed in the U.S. and State law as identity theft and has been violated. They assigned a company identifier number with my personal information attached for an alleged debt that I do not owe. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies due to this oppression.

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