vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-23 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX - collection - XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-23 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: CA

Complaint narrative:
On XX/XX/2021, I submitted a complaint due to the fact that my original dispute with XXXX was being ignored since my original dispute date of XXXX XXXX. It took over 90 days for them to respond to my dispute, which should have resulted in the disputed inaccurate items being deleted from my consumer report permanently. However, the accounts are still on my report with no document evidence from the investigation that was made. An investigative report should be done with personal interviews and Equifiax FAILED to accurately investigate the accounts and provide the document evidence from the investigation. I need these inaccurate and unauthorized accounts removed from my credit file IMMEDIATELY because it is hurting my chances with getting a mortgage, which is help ruin the banking system which in turn ruins the economy!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: PNC Bank N.A.
State: PA

Complaint narrative:
Spoke to a XXXX XXXX. She said I signed a document to have online statement. Again for 3rd time writing pnc nothing has changed when I told them I am a very busy man. I have over 1000 properties in real estate. I hired my mom to stay at home with my XXXX grandma and to pay my bills which I went to pnc have a worker at pnc that will testify I went in to change address and get statements in mail like I did for XXXX and other cards that didnt mess up and not change my address along with that they know I changed my address and keep sending the letters to address that isnt mine so Im asking since I havent received notice. Im asking that the negative item be removed because of them sending info to wrong address didnt change my address and didnt change my asking to statements. 

Pnc is completely wrong for this and it is their fault. And again I have a worker to help consumer finance get the truth about this horrible bank. Messed my credit up because workers cant get their job done.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
I suffered hardship during XXXX and applied for hardship with Wells Fargo. In XX/XX/2021 we came out of forbearance and applied for a hardship modification. My XXXX died and that caused a loss of income that assisted in paying the mortgage note. Wells Fargo will not give me definitive terms on what is being offered. I qualified for XXXX assistance terms under the most recent XXXX XXXX XXXX. At this point XXXX is telling me I either need to accept or decline that offer. i have no documentation on what the offer is. How can a consumer make a informed financial decision if they do not know the terms they are rejecting or accepting. XXXX is being difficult to work with and will not provide documentation of our options.

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 2021-12-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I forgot to pay citi XXXX and lady called me and asked me to pay. and she said she would waive the late charges if I pay it off so I paid it off but she did not waive the late charges and immediately hung upon me after I paid. I will never make payments to citi XXXX  again if this late charge does not go off.

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 2021-12-23 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: DISCOVER BANK
State: CA

Complaint narrative:
I have contacted Discover multiple times in regards to an account I used to have with them which shows a delinquency for some reason. I have been with them for over ten years. Out of nowhere Discover decided to close my account with them despite my prior ten years of history that I had with them. On one of the account that was closed, I still had a balance that I was making my monthly payments on. However, after the accounts were closed, Discover decided to make another arbitrary decision and restrict my access to the online banking software and thus restricting my method of payment. I couldn't reach them over the phone to make my payments because every single time I contacted them they were unable to help me and they thought that I had to speak with the Fraud Department of Discover for some reason. I never claimed the account was fraudulent, I always told them that I had to make a payment but by the time that Discover was able to process my request they gave me the worst time ever which led my account to be delinquent and past due on the payment. Discover from the beginning of this calendar year of 2021 and they have been passing judgements and arbitrary decisions regarding my accounts and personal information. I had flawless history with them yet the decided to close my accounts. Then, they decided to make another arbitrary decision of restricting my access to the online banking software so I can not make my payments. Ever since then, I have been contacting them personally to make my payments through the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: MoneyLion Inc.
State: FL

Complaint narrative:
I contacted Moneylion regarding a payday error last week XX/XX/23 on Wednesday. I get paid on XXXX. The app offered me the choice of deferment and I took it. Now I see that it is the same mistake as before, the loan is scheduled to come out on XX/XX/XXXX. They refuse to change the date by XXXX days even after I told them it will likely overdraw my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I received a letter in the mail from Ad Astra Recovery Services Inc. on XX/XX/XXXX Informing me that someone opened an account in my name, and I owed {$200.00} from a payday loan I never opened in my life. I immediately called and spoke with a representative and told him I NEVER in my life opened a payday loan, to which he replied, you didn't open the account, I emphatically told him NO. Then he said report it to your local law enforcement officials. I called the XXXX PD N.E. number to report this fraud and identity theft, which XXXX. XXXX # XXXX said to call speedy cash and find out how this account was opened because you might have better luck than we the XXXX PD would. XXXX. XXXX asked me if I wanted to press charges, I said yes. I just want them to stop, he replied I understand. 
Today on XX/XX/XXXX I called the speedy cash customer service number, spoke with XXXX who I explained what happened, and transferred me over to the collections department. XXXX answered whom I again explained what happened to her, she apologized that I was a victim of identity theft, and informed me the account was opened on XX/XX/XXXX and inactive, she told me that I would not be responsible for the amount owed on the account, tried to connect me with the dispute department but the transfer failed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: CA

Complaint narrative:
I am unaware of this debt. I don't even know what this debt is pertaining to. This company has not sent my anything via mail, phone, or email verifying such debt. I was not made aware until it I was notified through my credit report. I would like for this debt to be removed from my credit report as I believe this debt is an error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-23 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: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
Capital One Auto XXXX checked my credit for the purchase of my vehicle back in XXXX XXXX which was a hard inquiry on my credit file, but when I checked my credit I noticed that this company has placed XXXX different inquiries on my credit file dates are as follows XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX all for the same attempt to purchase. I did not give consent for them to place XXXX hard inquiries on my credit report and by law this company is in validation of the law

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX Date of inquiry XX/XX/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 2021-12-23 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ROLS INC
State: IL

Complaint narrative:
I contacted original creditor regarding bill for {$24.00} ( XXXX ) and debt collector, CBQ ( XXXX ) for bill of {$48.00} to let them know that this debt is not owed by me, that this debt can't be collected because my income is Federally protected, as well as sent them both a cease and desist letter. The amount of the debt is misrepresented, and according to Federal Law, the medical facility can not do balance billing ; therefore, I am not required to submit any payment for any alleged balance they claim I owe. CBQ continues to call my number, via ringless call, going straight to voicemail ; and I have received two letters from them after, sending rhe cease and desist letter. 
TO REMOVE ACCOUNT FROM CREDIT BUREAU.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
We wired {$80000.00} on XX/XX/XXXX from XXXX  XXXX XXXX to XXXX XXXX XXXX, the receiving Bank is HSBC BANK USA, NA. The beneficiary didn't receive the founds {$80000.00}. Then, we asked XXXX  XXXX XXXX to recall the founds back, they send three recall message to HSBC bank USA on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, But HSBC BANK USA never responds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My mortgage was transferred from XXXX to XXXX mortgage. Neither company or informed me until I received an email from XXXX that they didnt receive my XXXX payment. I pay all my mortgages XXXX weeks earlier and I am paid up until XX/XX/2022. I called and emailed XXXX, how did I know I could even trust them when I was never informed? I explained situation they said they would investigate. They wrote back saying there was nothing they could do bc fannymae is struck but theyd try!? Im paid up so I m very upset. I called NewRez she said Newrez wired money to them 3 days ago. She also said Newrez made a mistake and deposited my XXXX payment for XXXX toward escrow. This was Newrez mistake. They said the would try to send to serving ti first x but most likely wouldnt be able to since not their loan anymore. They said XXXX just had to call them and they would verify to fix. I called XXXX and they refused fo call they said I had to send bank statements. Hi m getting run around with both companies. Not acceptable since neither informed me of change, Newrez deposited my check incorrectly, and not only do I pay on time but XXXX weeks early. Im not going back and forth anymore. XXXX and Newrez need to resolve this ASAP.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: TX

Complaint narrative:
I have been trying to fix this inaccurate information for ONE YEAR and still report wrong. I last sent a dispute on XXXX and nothing was verified or updated. I didnt receive any information from them about my dispute status or how this information is actually accurate. My XXXX  's name is the same as mine and this credit file has merged. Please help me get these consumer reporting agencies to fix this FALSE information on my credit. I can't even get them to respond within the 30 days.

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 2021-12-23 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to fix this inaccurate information for XXXX YEAR and still report wrong. I last sent a dispute on XXXX and nothing was verified or updated. I didnt receive any information from them about my dispute status or how this information is actually accurate. My XXXX XXXX name is the same as mine and this credit file has merged. Please help me get these consumer reporting agencies to fix this FALSE information on my credit. I can't even get them to respond within the 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 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: NY

Complaint narrative:
I feel as if these accounts are false and advising inaccurate information that are costing me thousands in interest a year. I have foiled complaints with the Federal Trade Commission & XXXX XXXX XXXX, to my knowledge I do not recall any of these accounts. I demand this issue be removed immediately, according to section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days- it had been 50 days and the items should be removed 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 explanation
Consumer complaint received 2021-12-23 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I feel as if these accounts are false and advising inaccurate information that are costing me thousands in interest a year. I have foiled complaints with the Federal Trade Commission & XXXX XXXX XXXX  to my knowledge I do not recall any of these accounts. I demand this issue be removed immediately, according to section 611 ( a ), it is plainly stated that a failure to investigate these items with 30 days- it had been 50 days and the items should be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I purchased a XXXX Can Am XXXX XXXX XXXX, XXXX ending in XXXX in XXXX with MB Financial as lien holder. Bike was paid off in XX/XX/XXXX. 5/3rd bank now holds the title as they acquired the loan from MB Financial when they bought MB Financial in XXXX. I learned in early XXXX that the bike was still listed in Florida vehicle title records as having MB Financial as the lien holder, which was why I assumed I had not received the title. I called 5/3rd 's XXXX XXXX XXXX MI office XXXX XXXX on XX/XX/XXXX, spoke to " XXXX '' XXXX who connected me to his manager, " XXXX '' and on a later call, after contacting my local DMV to learn FL had not received the title, I spoke to XXXX. XXXX and XXXX both told me the title had already been sent to FL but neither gave me the date that occurred. XXXX stated she would have it sent again and a letter sent to me stating the vehicle was paid off that I could take to the DMV to get the title transferred to me. I told her the state of FL said a transfer of title from MB to 5/3rd was needed, and XXXX stated that info would be in the letter to the state. As of today ( XXXX XXXX ) I have yet to receive the title or said letter XXXX spoke of, and bike is STILL listed in Florida title records as having MB Financial as lien holder. I have contacted the State Attorney General of both FL and MI and both responded with filing a claim with CFPB to get assistance in this matter.

Company response to consumer: Closed with non-monetary relief