vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 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: FL

Complaint narrative:
The items I need deleted are listed in the report. I stated I an 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. 


demand under FCRA : Section 604 : 1. Permissible Purpose 2. My written authorization 3. Proof that I personally initiated this ( accounts. ) Either provide me strict proof or DELETE the item immediately. If you do not delete the accounts in 15 days I will take legal action.

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 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We deposited two checks into our account at Chase ( account # XXXX ) on Wednesday XX/XX/XXXX. 

Both XXXX checks were drawn from account # XXXX ( XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX ( check numbers XXXX XXXX XXXXXXXX ). 

Both checks were debited from the XXXX XXXX XXXX account that same day ( Wednesday, XX/XX/XXXX ). 

On Monday the branch manager at Chase ( XXXX ) confirmed with XXXX XXXX XXXX that the funds had in fact been debited and thereby provided a " verification of funds ''. 

Chase refused to release the funds and we spoke several times to the Bank Manager XXXX and XXXX in business affairs. They blamed the Hold Dept. 

On Tuesday, XX/XX/XXXX I called Chase 's Hold Dept at ( XXXX ) XXXX and spoke to XXXX ( no last name ). 

XXXX was rude, condescending and blamed the bank manager XXXX for not having provided enough information on her email request to release the funds. 

He placed me on hold for approximately 30 minutes and ultimately hung up on me and never called me back. 

In total, Chase 's Hold Dept kept me on hold over two hours. 

They had no grounds to hold that money, as the verification of funds had occurred between XXXX ( XXXX XXXX  XXXX ) and XXXX  ( Chase Branch Manager ) on Monday. 

Furthermore, I advised XXXX that I had a screenshot which illustrated the day those two checks cleared the XXXX XXXX XXXX account from the XXXX XXXX XXXX website, which as mentioned earlier was XX/XX/XXXX. 

XXXX did not wish for me to provide him this evidence and seemed annoyed that I was asking him what government agency oversaw his department. Every person I spoke to at Chase said they had no idea what government agency oversaw that department. 

I'm on hold as I type this complaint with Chase and have been for 48 minutes. 
I'm simply asking them what agency oversees their department and the woman who answered the phone ( XXXX ) claims to be trying to find out that information from the " Executive Dept ''. She just came on and said they are not aware of any government agency that oversees their Dept and then hung up on me. 

To say this ordeal has been frustrating is a gross understatement. These kind of practices should be disallowed and this practice of holding funds when the funds have cleared is an abuse on the part of banks. 

We're tired of banks taking advantage and benefiting ( float ) from holding funds for no reason. We provided the verification of funds as was required and when I offered the screen shot to XXXX as further evidence he didn't want it. 

Thank you for your time, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I have two mortgage loans from XXXX XXXXXXXX XXXX, XXXX being serviced by Select Portfolio Servicing , Inc, loan # XXXX & XXXX. The payment amount of {$820.00} for loan XXXX and {$810.00} for loan XXXX are incorrect and there is no plausible explanation why both is so high. The loan documents signed at closing for both say the payments should be {$480.00} for loan XXXX and {$470.00} for loan XXXX with no Escrow. As agreed on the loan documents they will be no escrow. The additional amount doesn't equal any prospective escrow payments ( taxes on both are $ 900 yearly and insurance is $ 1100 yearly ) and there is no explanation for the differences. I've called over 10 times since XX/XX/XXXX to get this fix. They told me to give it a few days it will fix itself, I was then told it was because of the escrow ( again which doesn't make sense ), I was asked to upload letters to remove the escrow which I did, I was then told it was because of a lien by the county, they didn't have any lien, my attorney had no records of the lien. I keep calling to get this resolve and I'm not getting anywhere with this company. I asked for management and my request was ignored. Every time I demand to pay only the principal and interest that was agreed upon they would say there's a service charge of {$15.00} dollars and would only waive after I demand it to be waived. I would like to have this issue resolved as soon as possible but I'm not getting any assistance from the loan servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hello, I recently reviewed my Credit Profile and see numerous unauthorized inquiries. I have also reached out to each lender but they have ignored my request. These fraudulent negative factors are tarnishing my credit profile. PLEASE REMOVE AT ONCE! This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. I have sent over 3 rounds of letters

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 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal says I am responsible for two fraudulent charges on my PayPal account these charges were done at the same time through my PayPal account by means of autofill that attached to my bank. One transaction was for {$100.00} the other was for {$60.00}. Because I had my bank linked to the card and PayPal account when the transactions were sent to the merchant my bank account was charged {$110.00} and {$60.00} to credit my PayPal account with enough money for the people that made these fraudulent transactions to make them. I have given PayPal ample time and as much cooperation as possible to show them that I did not make these purchases I have not received any goods or services from the companies that PayPal things I authorized payments too I also did not authorize the bank transfer as that was a automatic system in place for me to use I had no idea my account was compromised I did not know that I was hacked but from the evidence I have provided I did everything in my power to try to stop this transaction from going through and I was still ruled against and now I am liable to pay back the provincial credit they gave me until the case was solved. I say the case was never solved and was not looked into good enough if my PayPal account was compromised it was not my doing as my phone is protected through malware and antivirus software and I used two identification factors including and not limited to my biometric fingerprints. As I did not make these purchases authorize them or receive anything from the merchants that the payments were given to it is obvious that my account was hacked and that these charges were fraudulent. PayPal made a hasty ruling band this isn't fair or an ethical business practice to charge someone for something they did not even do. I also escalated a dispute with my XXXX XXXX XXXX account to tell them I did not authorize the two transfers to PayPal one in the amount of {$110.00} the other in the amount of {$60.00} dollars I do not want my bank account to be affected by this unreasonable and unfair ruling against me. This is all PayPal 's fault and they are the ones liable and should be held responsible for their failure to investigate and properly serve Justice were justices do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: AZ

Complaint narrative:
My name is XXXX XXXX, please find proof of identification attached below. This is not a third party company. I am doing this complaint by my self. I am writing this complaint from my understanding of the Federal Law. First and foremost, I am revoking the power of attorney given to Auto Now financial Services. There has been several ongoing issues relevant to my consumer credit contract I hold with Auto Now Financial Services. Upon reviewing my receipts and contracts I have noticed : 1. According to federal laws the finance charge is the sum of all charges. So why was I charged a down payment plus other fees, title, registration processing, and insurance? THIS VIOLATES FEDERAL LAWS! There are also several errors relevant to the amount financed and what's owed. 

2. I noted contract paid off in XX/XX/2019, closed then reopened. Then I took notice to my contract number which I have paper work for, until I tried signing up online and had to call for contract information to access portal because there was a change. I did not receive any written notice and this was without my knowledge. Nothing in the mail to my XXXX, Az Address. This is FRAUD! 

3. I make payments biweekly, per month to Auto Now Financial Services. Yet when payments are made on time, they are being furnished to consumer reporting agencies as late. This is also fraud and violate the federal laws. Auto Now financial has several times violated federal laws, they have threatened me with repossession over the phone, they have caused me emotional distress by intentionally getting into arguments when I call to enquire about payments and due dates prior to having assess to online portal. I have reached to Auto Now Financial Services on multiple occasions just wanting to discuss my accounts but it always turns out into an argument and threats. This is also a violation of federal laws. 

As the consumer I will seek litigation against Auto Now Financial Services and the consumer reporting agencies in the event that these issues are not fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CBC Companies, Inc.
State: FL

Complaint narrative:
XXXX Still has my information, I called and asked to opt out, AND DELETE all information in my name. They said they would mail out a report of all items on my report, on XX/XX/XXXX they mailed me a letter saying " unable to process request ''. im under no opbilation to send them any of my personal documanets. I HAVE NO CONTRACT WITH XXXX. I want ALL my information removed forever, this is a private company with my personal information REMOVE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Good Morning, I requested a few accounts to be removed since they were inaccurate, at first I didn't get a response them they were not able to probe me the accounts were legit. they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.

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 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX, I requested a few accounts to be removed since they were inaccurate, at first I didn't get a response them they were not able to probe me the accounts were legit. they just ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish.

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 2021-12-29 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hello, ive recently disputed multiple inaccurate items by mail around XX/XX/2021 it has been well over 30 days and has yet to receive any type of notifications .You have fail to comment and failed to reply back with investigation results.Both being under violation which means you must delete all accounts from my report. 

XXXX XXXX XXXX XXXX late payment Please remove from my report XXXX XXXXXXXX XX/XX/XXXX late payment Please remove from report XXXX Please remove from my report XXXX XXXX XXXX please remove from my report XXXX XXXX Please remove from my report XXXX XXXX XXXXXXXX Please remove from my 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 non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: OH

Complaint narrative:
I was made aware of a seemingly erroneous debt that had come up on an apartment screening. When I learned of the debt servicer IQ Data International I attempted to contact them in order to resolve the issue. 

After they almost coerced me into paying a debt they had yet to verify. I asked for debt verification along with the proof of the agreement where this debt originated. Once I asked for this, the tone changed and the person on the other side of the line became very rude. Wouldn't stop talking over me, and eventually responded with " I don't care what you have to say '' essentially no longer listening to me and only wanting me to pay up. I hung up before they could get any nastier. 

As soon as I asked for clarity on the debt they are trying to collect they became unruly and unable to communicate. 

This didn't feel legitimate. This felt like a shakedown from someone who has too much of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, I entered the PNC Bank, in XXXX, GA to make a {$9900.00} cash deposit. At this location, there are no bank tellers. I had used this branch to make a case deposite approximately two weeks prior. Following the instructions on the ATM, I was instructed by the live video teller, whose name is XXXX, to deposit the entire amount. I questioned this because I had been informed before that the machine could not handle large amounts of cash at one time. He told me to disregard that information and make the deposit anyway. I inserted the entire {$9900.00}. The machine door closed and the machine started counting the money. Suddenly, the door opened and the money was ejected from the machine. I pulled the large wad of bills from the machine, then it " spit '' several bills out. Those bills were crinkled, like the machine jammed. Then the machine went blank, and the teller was gone. The machine rebooted. 

An employee at the bank came out and we counted the money, and I only had {$9100.00}. I logged back into the machine and another teller appeared on the video screen. I explained to the teller, XXXX, what happened and she said there was no record of any previous transaction and there was nothing that could be done to retrieve my missing {$800.00}. The Branch Manager XXXX XXXX came out and we discussed the issue. XXXX XXXX said that she would handle the issue through a dispute. I asked that all of the information be provided to me in writing. I asked that she e-mail it to me. With XXXX still on the machine, I deposited the remaining {$9100.00}. In hindsight, I should have called the police and obtained a police report. 

Approximately an hour later, I received a phone call from XXXX XXXX with PNC. He informed me that it would be at least 10 business days until the dispute could be processed. He never mentioned returning my money. I asked that he e-mail me with the steps in the process. To date, I have not received anything. On XX/XX/XXXX, I e-mailed XXXX XXXX to inquire about the missing funds. She has not responded either.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: CA

Complaint narrative:
I have disputes with TransUnion about the information on my credit from XXXX XXXX. I called and requested the service be turned off because No one was in the home because my son was in the hospital for a XXXX, it was never done but they continued to bill me. TransUnion has left this on my credit report and has damaged my credit. XXXXXXXX XXXX has been sued by the FTC along with law enforcement agencies from at least 6 states. The XXXX has received XXXX complaints in the last 3 years and XXXX in the last 12 months for the same issue I have complained about.and yet TransUnion still has yet to act on my complaint. XXXX XXXX has a XXXX rating. Obviously TransUnion did not do a in depth investigation because if they had they would have found the complaints from the XXXX  and seen that it was the very same complaints I had. Per the XXXX  WEBSITE; On XX/XX/2019 and XX/XX/2019, XXXX attempted to contact XXXX XXXX XXXX regarding a high volume and pattern of serious complaints. XXXX received complaints in the alleging customer service issues, missing appointments, decline in services previously handled by other providers who XXXX has assumed, billing issues including additional service charges for periods once the consumer has cancelled services.

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 2021-12-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is handling my student loans that I obtained while attending the XXXX XXXX XXXX. The school is no longer in business and I am still repaying the loans. Years later, I transferred my credits and attended the XXXX XXXX XXXX. XXXX is handling those loans, but they are currently on hold due to Biden 's direction. My issue is Navient is showing my loans are being repaid to XXXX XXXX XXXX and not to the XXXX XXXX XXXX. I have requested clarification but get no response. I fear that my payments are not being directed properly. I owe XXXX  $ XXXX and I only owe XXXX {$1500.00}. So there is a big issue if this is not being handled properly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Im being charged for a credit card I never had!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
To whom it may concern, I recently asked you to verify information contained in my credit file in which I have provided proof that the method you used to allegedly verify this item was invalid. 

Item in question : Bankruptcy You stated that your process to verify this item was through XXXX. I sent you notice that your process was not valid due to me going directly to the company and them not being able to verify the item. You then replied and stated it was still verified without sending me any documentation or proof of an actual investigation. 

I know per the FCRA I have to give you 30 days to correct a known mistake within my credit file and at this point you have been granted that time, this is a formal notification that I plan on filing a complaint with the CFPB, and XXXX against your company is this bankruptcy is not deleted from my credit report IMMEDIATELY!

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