vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: VA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-02-09 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-09 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: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
HELP!!!!! 
Community loan servicing was my servicer until XX/XX/XXXX. I was approved for LOAN MODIFICATION on XX/XX/XXXX. And agreement send out on that date. I have signed the loan modification docs on XX/XX/XXXX and got the fully executed modification docs on XX/XX/XXXX. BUT the new Specialized loan servicing company who is servicing the loan now didnt got the new terms. and Im going back and forth and getting nowhere.

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 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Creditor has constantly sold/reopened medical debt collection multiple times. Every month it is reopened. Creditor is calling multiple times a day from different numbers associated with different states. The calls begin at XXXX am and end around XXXX pm. They are relentless. I have never even received an original bill from whoever the original debt even came from!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal did not disclose that a peer-to-peer payment would take more than 6 business days. Website gave a timeline for fund availability of XX/XX/XXXX. It is not available and they now claim, it could take up until XX/XX/XXXX. Funds have already been deducted from linked checking account and PayPal is unnecessarily holding the funds and not releasing it to the recipient. 

Transaction ID : XXXX Spoke with a customer service rep and supervisor and no acceptable resolution was offered.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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:
Wrong information Inquiry details these or not my inquires. 

XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX  Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX ( Bank XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX ( Finance XXXX XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto XXXX XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX 2021

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 2022-02-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: DE

Complaint narrative:
I mailed XXXX letters to the company informing them that this account was never mines. I was A college student during that period of life and never held an account with any phone company. My Parent paid my phone bill during the Time period. The debt is also well over the statute of limitations. 
I was too young to hold this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: NY

Complaint narrative:
I have reviewed my credit report and still find unauthorized inquires reporting. I have demanded these be removed multiple times with FTC report and proof of identity and they have not all been removed. I did not give written consent for this to be furnished to 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 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
This compliant is created by XXXX XXXX XXXX, which is a furniture retailer/company in XXXX XXXX XXXX In late XX/XX/XXXX, XXXX made XXXX payments to their manufacturer XXXX XXXX XXXX XXXX XXXX which bank account is with HSBC XXXX. The amounts were XXXX paid on XXXX XXXX, XXXX and XXXX paid on XXXX XXXX, XXXX. 

It has been more than one month that these XXXX payments have still been holding by HSBC Bank USA and not released to XXXX XXXX XXXX yet. As required by HSBC USA, XXXX provided related documents to proceed a security check for these XXXX payments on XXXX XXXX and XXXX XXXX separately, and then never heard back from HSBC USA ever since. Although XXXX has been sending update requests to HSBC USA for numerous times in last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: South East Collection Specialist
State: ND

Complaint narrative:
This company leaves a voice-mail insinuating that they are representing me as my lawyer. Also when I called back they wanted me to give personal identifying information to them before validating who they are or why they are calling. Also saying that they received my information from a 3rd party. I kept the deceiving voice-mail. I asked them to stop calling. I followed every rule on the FTC website and they do not

Company response to consumer: Untimely response
Consumer complaint received 2022-02-10 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: U.S. BANCORP
State: IL

Complaint narrative:
Elan Financial Services ( Elan ) XXXX : DISPUTES XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Reporting Disputes - XXXX XXXX XXXX Elan Financial 's continued incorrect reporting to the three credit bureaus. The incorrect reporting is due to Elan 's non compliance with Regulation Z - Truth in lending, Fair Credit Reporting Act, Unfair/Deceptive Business Practices , and failure to comply with Record Retention Statues. 

Truth in Lending ( Regulation Z ) : Notification to take Adverse Action ( s ) Failure to notify customer ( XXXX XXXX ) within the time period designated by current rules and regulations that any other adverse action was going to be made. In addition, Elan continued to charge fees and interest charges after the account was put in for collections and charged off. 

Incorrect Reporting to the Credit Bureaus : Elans reporting shows an amount of {$9700.00} charged of and closed on XX/XX/XXXX. ( This amount is in question. ) Also reported is a delinquent balance of {$10000.00}, and reporting of delinquent payments as of XX/XX/XXXX, and continues after the account balance was charged off. Once the account balance is charged off, there can no longer be an outstanding balance. This is a violation. 

Deceptive Disclosure information on monthly statements. Elan Financial does not appear on the 1st page. They answer the phone number on the statement, " XXXX XXXX, XXXX XXXX XXXXXXXX ''. In reality, the caller is NOT speaking to anyone at XXXX XXXX, but a CSR Rep from Elan. 

Failure to disclose Elan Financial as the service provider for XXXX XXXX on the 1st page to their Service Agreement ( also not dated ). Elan Financial does not appear until Page 7 of 9. 

Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] Appendix E to Part 1022 - Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Violations occurring by not : ( h ) Deleting, updating, and correcting information in the furnisher 's records, as appropriate, to avoid furnishing inaccurate information. 
( i ) Conducting reasonable investigations of disputes. 

Failure to comply with Record Retention Statues : Per Elan 's own correspondence of XX/XX/XXXX & XX/XX/XXXX, " Upon acquisition of my account in XXXX and their completion of their conversion, they ( Elan ) no longer has access to this 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 non-monetary relief
Consumer complaint received 2022-02-10 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: OR

Complaint narrative:
Equifax information services, XXXX and XXXX are continuing to report inaccurate information on my credit reports after failing to validate my dispute letters that I sent to all three of the CRA 's about an account which is being reported inaccurately. ( XXXX XXXX  XX/XX/XXXX Charge-off ) I spoke with the manager a minute ago at XXXX  XXXX  in XXXX ( XX/XX/XXXX ) ( XXXX ) about the data that is being furnished by the CRA 's and he mentioned to me that an " AUD '' document to uniformly correct the information on my credit reports was to be made and yet it shows that the reporting is still inaccurate and not what they provided especially with Equifax Information Services XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TX

Complaint narrative:
i was banking with Chime. My card was stolen multiple times and many transactions were not made by me. when I reported this they denied my claims. i would be happy to give you dates and times but I do not have access to my account. My bank decided to close my account. They said via email it will be XXXX  days until my check is sent in the mail its been a month and I have not received a check with my finally balance on my account, I have reached out to chime support services many times and nobody is willing to call me or yet even respond back with a non automated email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: PR

Complaint narrative:
XXXX XXXX to go a dining set on XX/XX/2021 for the amount of {$1500.00} with an interest-free promotion. Room to go is charging me a security fee that I do not authorize in XXXX this fee adds {$200.00} to my account they say it is insurance when I contact synchrony bank but they never put insurance on my purchase. The promotion is XXXX months without interest, this would add {$400.00}, this is XXXX XXXX above, this is a steal. They do not want to reimburse me for this money that I do not authorize to collect.

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 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: OH

Complaint narrative:
XXXX XXXX, I mailed a certified letter requesting the validation of alleged debt owed and the collection agency has not responded. It has been well over the XXXX day debt validation investigation requirement set by the FDCPA, they have not verified the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
Ally Finacial is not reporting accurate information regarding the date of last payment made, they can not show any accurate paperwork verification they own this debt, I have requested proof regarding both of these matters with verifiable proof of ownership. This company does not own the debt/vehicle through XXXX and has never gotten pink slip or bill of sale, When I bring this to their attention they ignore my ( XXXX ) certified letters and send inaccurate templates with my info in the filled in areas. 
Thanks for the assistance and warm regards,

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 2022-02-10 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Sometimes late XX/XX/2021 or early XX/XX/2021, XXXX XXXX from Union Bank XXXX XXXX, CA XXXX told me specifically, that if I were to open a Union Bank Freely Rewards Visa credit card AND have a balance transfer of at least {$1000.00}, I would receive a bonus of {$100.00} plus additional XXXX XXXX  if I put the reward bonus back into my checking account. 

I kept waiting for the reward points to show up in my account for XXXX months, only to find out that I have been LIED TO by this person or institution. When I called today to both the branch office and the XXXX number in the back of the credit card, they told me that the promotion was only for customers that spend at least {$1000.00}, instead of doing a balance transfer of at least {$1000.00}. 

In fact, they blamed me for not reading those many pages of the disclosure provided, when I opened the account, instead of relying on the word of their associate. 

Yes, I could have read all those pages in detail, but in my past experience dealing with other financial institutions, words from the associates are always aligned with the promo. 

Apparently, that does not apply with Union Bank, where you can not trust the associates, and when you as customers become a victim, they will not right the issue and instead just to blame you for trusting bank 's associates.

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 2022-02-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX I made a deposit of {$1000.00} to an account that I thought was my saving account. I made nicknames for my accounts and mistakenly put the money in one of the accounts and I wasn't aware that it was to another Bank. I contact my bank when I notices the mistake and the money was put in the right account. A day later JPChase went into my account and took the money out of my account without notifying me, nor did my bank notify me of this. Chase was not associated with my account at all. How could this happen without my knowledge

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX is not reporting accurate information regarding the date of last payment made, they can not show any accurate paperwork verification they own this debt, I have requested proof regarding both of these matters with verifiable proof of ownership. This company does not own the debt/vehicle through XXXX and has never gotten pink slip or bill of sale, When I bring this to their attention they ignore my ( XXXX ) certified letters and send inaccurate templates with my info in the filled in areas. 
Thanks for the assistance and warm regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX is not reporting accurate information regarding the date of last payment made, they can not show any accurate paperwork verification they own this debt, I have requested proof regarding both of these matters with verifiable proof of ownership. This company does not own the debt/vehicle through XXXX and has never gotten pink slip or bill of sale, When I bring this to their attention they ignore my ( XXXX ) certified letters and send inaccurate templates with my info in the filled in areas. 
Thanks for the assistance and warm regards,

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 2022-02-10 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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