vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-05 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: SC

Complaint narrative:
I have disputing theses incorrect Items on my credit since XXXX of 2021. They keep saying that is is verified. they have not sent any documents stating who verified it. their name and number.

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 2021-10-05 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: SC

Complaint narrative:
I have disputing theses incorrect Items on my credit since XXXX of 2021. They keep saying that is is verified. they have not sent any documents stating who verified it. their name and number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SMITH, ROUCHON & ASSOCIATES, INC.
State: MS

Complaint narrative:
This has been an ongoing situation. I spoke with Ms. XXXX who informed me the column on the document she mail back to me DID NOT say PROCEDURES, instead it list codes. Ive attached said document. It indeed list XXXX XXXX XXXX XXXX XXXX XXXXXXXX. These are procedures. This violates HIPAA. I filed a complaint with HIPAA on last week via this address XXXX XXXX XXXX 

I had the right to validate my debts with Smith, Rouchon , & Associates. Instead, they violated my privacy laws. Ms. XXXX told me to contact her with my lawyer and this would continue to damage my credit. I did not sign a HIPAA form allowing this company to remove this debt. THEY VIOLATED HIPAA!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
On or around XX/XX/2021 we started the new construction loan process with XXXX XXXX XXXX for {$570000.00}. 

We were qualified for the loan after submitting all documentation. Upon their request for additional documentation, it was submitted within a day 's time. 

This process is now at 196 days, with no closing date in sight. 

Weve had to redo the building contract four times, due to the construction department not knowing what they needed in the contract. We also had had to resubmit updated financial documents on multiple occasions due to the loan taking so long to close. 

We were told from the beginning of the loan process that our debt to income ratio was good and below their requirements. Then months in, they said we were under 1 % too high, but if we paid off our {$11000.00} truck we would be under. This was paid off and verification sent. Weeks later, they are now saying it is .7 % still too high. Mind blowing. 

We have filed multiple complaints with them on multiple occasions, all the way up to the Vice President. 

After our first complaint with the Vice President ( months ago ), he advised on multiple occasions he would give us a call with an update, but has not once called with an update. 

On multiple occasions we requested to speak with someone in authority, above the Vice President, who can make a decision. We have never been given that information. 

We were advised by the Vice President that a meeting was being held on XX/XX/XXXX to discuss our case. After that meeting the Vice President advised that now some of the right people were working on our file. 

Several days later, XX/XX/XXXX, they are now, for the third time, requesting us to update ( at our expense ) the same financial paperwork already submitted, because those are again expired, due to the extended loan period. 

No one seems to be in communication with one another and each department blames the other for the issue arising. No one seems to be in charge and no one can be reached who has the authority to make a decision. 

This process has cost us so much time and money! Our builder is frustrated and threatening to walk. WE ARE AT 196 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 explanation
Consumer complaint received 2021-10-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/21, my wallet, along with two credit cards from Chase were stolen out of my vehicle. When I found out the next morning due to receiving fraud texts on my phone, I immediately called Chase. At first, I thought I was still in possession of the cards, but after the call, I realized it was stolen out of my car. I reported this to Chase and they investigated.

Chase eventually said " I benefited from this transaction '' even though I did not make these charges. I provided supporting documents ( paperwork showing I replaced my drivers license ) and Chase again concluded I'm responsible for the charges.

The card was a Visa which offers {$0.00} liability on unauthorized charges. Not to mention, federal law states that the maximum I can be liable for is {$50.00}. 

XXXX XXXX {$510.00} XXXX XXXX {$110.00} XXXXXXXX XXXX XXXXXXXX {$29.00} XXXX  XXXX {$720.00} Total : {$1300.00} This exceeds the advertised {$0.00} liability on unauthorized charges. 
Chase refuses to accept my claim and has rebilled my account. I've been forced to pay for charges I did not male.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-05 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: MD

Complaint narrative:
These credit bureaus have not updated my report in a timely manner. Its been a couple of months since my first initial dispute with them. They are failing to resolve these issues and errors im having on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/2021, Venmo permanently deactivated my account due to unspecified " violation ( s ) of the User Agreement. '' At the time, my Venmo account had a {$310.00} balance. In the email notifying me about my account deactivation, Venmo also told me that they would hold my {$310.00} balance for up to 6 months, and potentially never return them to me. I appealed this decision via email on XX/XX/XXXX, and again on XX/XX/XXXX, but each time Venmo refused to return my money or cite any reason for Venmo 's actions. 

Venmo claims that their terms allow them to seize users ' account balances, keep them indefinitely, and never offer any explanation, appeals process, or recourse of any kind. If this practice is legal, hiding a provision of this magnitude in the T & C ( which users don't read ), is intentionally deceptive. If users knew of this policy, most people would not use Venmo. Under this policy, users funds are not safe on Venmo. Venmo offers debit cards, and clearly intends for consumers to use their app just as they would a checking account. 

I am not aware of any bank that is allowed to arbitrarily seize account holders ' funds, and Venmo clearly wishes to reap the monetary benefits of banking services while avoiding all of the consumer protections associated with conventional bank accounts. A cursory XXXX search shows that many other Venmo users have faced the same unexplained account closure and balance theft that I am currently dealing with. I am a graduate student with no regular income ; losing {$310.00} is a big deal for me, as it would be for most other people. In short, I am asking that the CFPB take steps to compel Venmo to give me my money back, and prevent them from doing this to others in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
So this is my 4th time reaching out to you or the credit bureaus. I thought the CFPB was here to help the consumer. I have been XXXX a lot of research and also discovered A FCRA lawyer will sue you on my behalf. There is a bankruptcy public record on my credit report, and as I mentioned I have done my research. I wrote the bankruptcy court and they said they do not report to credit reporting agencies, so by you having these public records on my account is a violation because the court didn't furnish the information so you are not reporting 100 % accurate information. Also by XXXX and XXXX getting my information they are violating my privacy rights violation US Code 1681 ( A ) ( 4 ). As the lawyer told me all of the violations are grounds for a lawsuit. I am a single XXXX mother and I refuse to be taken advantage of by these big companies. I wrote the bureaus on XX/XX/21, XX/XX/21 and today XX/XX/21. XXXX XXXX on XX/XX/21 and XX/XX/21 I have a certified mail receipt to prove they have it. I demand 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 explanation
Consumer complaint received 2021-10-05 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: SC

Complaint narrative:
I have been disputing these incorrect items on my credit since XXXX, 2020. I keep getting the same response from credit Bureaus. They keep saying that it is verified. they are not telling me how, when, and who verified it. I'm getting denials based on their in correct reporting.

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 2021-10-05 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: MD

Complaint narrative:
There is a number of personal items and accounts that does not belong to me and that are incorrect. I originally sent a letter about this when i found out on XX/XX/2021. It has been well over 30 days and i have not been updated. There are no updates and the credit bureaus do not help or give any helpful information at all. I dont like that the credit bureaus get to ignore consumer laws, this is really unfair.

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 2021-10-05 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: SC

Complaint narrative:
I have incorrect information reporting on my credit file, that is unacceptable because I'm getting denials based on their inaccurate reporting.

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 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
On or around XX/XX/2021, I made a {$7500.00} bill payment from my Schwab bank account to a XXXX XXXX credit card account. I made the payment in error as the credit card that I was paying had been closed. 

Since this time, I have spent numerous hours on the phone with customer service representatives who have been unable to find resolution. On multiple occasions, we have been advised that an investigation has been initiated and that we should call back in 14 or 30 days. 

The Barclay Bank representatives follow a script and in nearly every instance they advise that they are having system issue and request that we call back. We have called Barclay Bank dozens of times- this is no exaggeration, as phone records would illustrate. I have attached the proof of payment below and yet this remains unresolved. 

Further adding to this issue is the fact that XXXX XXXX  outsources all bill payment activities to a third party, thereby reducing their accountability for helping to drive resolution. 

Today is XXXX XX/XX/2021, and this situation remains unresolved. I am fully prepared to hire an attorney at this point. 

Thank you for your consideration of this 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 2021-10-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I am in a flux of calls about my student loan which is just wrong. Multiply calls coming in from collectors saying they represent Navient. Even calls coming from XXXX now??? 
Callers say they are legal operators. They have no knowledge of who they are talking too! Their amounts all suggest different levels of debt. But it is time to focus on local issues involving Elections and every year the calls triple. Maybe next year I will become incognito. For now I must stay connected to my phone and emails. 
Callers are from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX during just 2 days. I wish they could get really involved with true and valuable collections if owed. But this is just Bullying at it's worse but people must pay them to keep after it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CO

Complaint narrative:
I have a reliacard for unemployment and had money taken without my knowledge I called reliacard and reported the theft and they started an investigation. They gave a time line of 9 months and I waited. That was around XXXXAbout a month later I get a letter of no wrong doing and immediately call and request the transcripts of the investigation and copies of my charges and debits as mine were deleted from my app when I got my new card. What came was a letter saying no wrong doing and my charges and that were missing. Immediately called asked for the transcripts and received the same two more times. I have yet to receive the transcripts to this day. I hope you can get them because I don't think they did anything as it's pretty clear these charges are out of character looking at my spending habits. The charges are first XX/XX/XXXX at XXXX XXXX to XXXX XXXX, next is XXXX at XXXX for XXXX along with another at XXXX the same day at XXXX for XXXX, fourth is XXXX XXXX on XX/XX/XXXX at XXXX to XXXX. Any help you can provide will be greatly appreciated. Thanks and look forward to your response.

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 2021-10-05 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: IL

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 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: SC

Complaint narrative:
I have incorrect information reporting on my credit file, that is unacceptable because I'm getting denials based on their inaccurate reporting.

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 2021-10-05 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: SC

Complaint narrative:
I have incorrect information reporting on my credit file, that is unacceptable because I'm getting denials based on their inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been a member of this company since XX/XX/XXXX, with an extended credit limit of XXXX, they have reduced my limit to XXXX ( which I wasn't happy about but I let it slide ). Now today XX/XX/XXXX i am being informed that both my Credit card with Card Member Services has been shut down, for no valid reason. I have NEVER been late on a payment. I also make big chunks of payments of XXXX here and there to reduce the utilization from time to time. ( see documents attached to prove ). When they told me the reason they said i was a credit risk. they have fraudulently checked my credit report which is a violation of my rights and never gave permissible purpose. FCRA 1681 usc ss 604 states that! they did not give me any warning what so ever. regardless i have great credit and they broke the law. i will also be filing a XXXX  complaint against the company for mal practice. them shutting down my card put my credit in a bad situation and i will seek litigation action. i have been using their cards for over 2 years. that was just one card. they also shut down my us bank card with a limit of XXXX. when i tried to go to the store and swipe my card it was declined which was embarrassing. come to find out my us bank card is matched with card member services. it was both a XXXX cashback card and a us bank flex perks card. they shut both of them down because they said they check my credit score ( without my authorization or permission which is a violation of my privacy right and the law )

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