vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-14 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: FL

Complaint narrative:
I had applied for a car loan with XXXX XXXX XXXX and was approved in XX/XX/2021. The car was paid off in 3 months. XX/XX/2021. I received an letter that the car was paid off. But my credit report score has not been changed. In addition my credit score has been decreased because of how they have reflected the information to credit bureau. It has been past the time frame that they have said the issue will be fixed. Which was XX/XX/2021. No contact no update.

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 2021-10-14 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: FL

Complaint narrative:
I had applied for a car loan with XXXX XXXX XXXX and was approved in XX/XX/2021. The car was paid off in 3 months. XX/XX/2021. I received an letter that the car was paid off. But my credit report score has not been changed. In addition my credit score has been decreased because of how they have reflected the information to credit bureau. It has been past the time frame that they have said the issue will be fixed. Which was XX/XX/2021. No contact no update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: FL

Complaint narrative:
I had applied for a car loan with XXXX XXXX XXXX and was approved in XX/XX/2021. The car was paid off in 3 months. XX/XX/2021. I received an letter that the car was paid off. But my credit report score has not been changed. In addition my credit score has been decreased because of how they have reflected the information to credit bureau. It has been past the time frame that they have said the issue will be fixed. Which was XX/XX/2021. No contact no update.

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 2021-10-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/21 I made an online purchase through XXXX for two pairs of XXXX  XXXX XXXX  for the total amount of {$53.00}. I initiated a return on XX/XX/21 because both items were not as advertised and shipped items back on XX/XX/21 by USPS. The seller received both items on XX/XX/21 and was refunded for the total amount of {$53.00} back to its original form of payment which was TJX Rewards Mastercard. 

I was being billed for items that I had already returned and opened a dispute charge and mailed me a letter requesting the return delivery confirmation with the return tracking information. 

On XX/XX/21, I faxed TJX what was requested on the letter and also mailed to them the letter that was faxed to them along with a copy of the USPS receipt proof of returned items and copy of XXXX transaction receipt, return and refunded back to original payment. 

After all the proof that I have provided, TJX is still wrongfully charging me for the amount of {$53.00}.

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 2021-10-14 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
I contacted XXXX XXXX and XXXX to have three different items remove d because they are inaccurate and two are false information by the company. They have failed to do so and I've sent countless letters stating they weren't mine and they were inaccurate and they could removed. But they are still remaining on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: MS

Complaint narrative:
The information reporting on my account is inaccurate, there are multiple addresses and names associated on my credit report that is inaccurate.

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 2021-10-14 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: FC HoldCo LLC
State: GA

Complaint narrative:
I contacted XXXX XXXX and XXXX to have three different items remove d because they are inaccurate and two are false information by the company. They have failed to do so and I've sent countless letters stating they weren't mine and they were inaccurate and they could removed. But they are still remaining on my credit 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 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Meridian Financial Services, Inc.
State: NY

Complaint narrative:
I have two weeks Deeded Timeshare that are PAID IN FULL with XXXX XXXX XXXX in XXXX Florida. I was making monthly payments for my HOA past due at one point on my credit card As well as renting out the unit and allowing XXXX XXXX to keep the proceeds in order to cover the maintenance fees. After my wife became XXXX due to XXXX and subsequent XXXX and had to reduce my working hours to part time we informed a representative named XXXX with XXXX XXXX in their collections department of the situation and he suggested that we could deed the time shares back to XXXX XXXX, and with the understanding we would not be able to use the time shares and would lose whatever equity we have in the timeshares ( approximately {$30000.00} for both weeks ). We agreed and were expecting paperwork which never came ; in the interim, Covid was a reality and we like most people were in a battle for basic survival. XXXX XXXX was not communicating with us and we just thought it was due to Covid. N w we find ourselves two years later trying to defend collections through XXXX XXXX agency for an amount of {$4800.00} which is quite a bit of money expecially since my wife 's We are not sure which agency can help and are contacting your agency for help and to understand how to navigate this matter. Any help you can provide us with would be very much appreciated and welcomed. 
Please let me know if you need any additional information. 
Respectfully submitted, 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 explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, Citibank charged a deceptive overdraft fee to my account. My checking account never displayed a negative balance on XXXX XXXX and Citibank is claiming so. Money was refunded to my account on XX/XX/XXXX, and a bill was paid. Today on the XXXX I see another overdraft fee on my account and they returned the bill to merchant. 
I called them several times and they denied all of this. I requested my overdraft fee back as I told them this is a fraudulent practice they are doing. They backtrack and claim my account had a negative balance which isn't so and claimed a payment came through. It never happened when I checked my account from the XXXX XXXX and there was no negative balance. Citibank is lying and stealing customers money when using this tactic. 


They had done this a couple of days ago but fixed the problem. Their system delays deducting money out of your accont, and customer continues to purchase thinking the displayed daily amount is accurate. This is how Citibank tags customers with these deceptive overdraft fees for debit card.

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 2021-10-14 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: FL

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 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: International Computer Systems, Inc.
State: AL

Complaint narrative:
I have spoke to Both the original company and debt collections agency no less that 15 times and gotten nowhere. I had a balance with XXXX utilities. An account reported to my credit by FCS XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX. I spoke with XXXX numerous times. During those calls they had stated to me that they had recalled and withdrawn FCS, and the account from the collection agency ( FCS ) I paid my balance to XXXX. I had zero dealing with FCS prior to this conversation about this account. FCS had reported to my credit bureau that I owed them the money. I did not. Once the account was withdrawn from them they refused to remove themselves from any involvement. Once I paid XXXX ( whom I owed the money to not FCS at that point. FCS continued to falsely report a collection that I owed them per my credit profile, when it was already paid. They then updated this same collection to read as if I paid them to a XXXX balance. They did not collect it, it was withdrawn from them yet they are still on my credit as a collection company responsible to/or have been to collect monies. I just spoke to them on the phone and they stated that " This is an attempt to collect a debt '' I have no dealings with this company. XXXX has stated multiple times that because I worked with them and not FCS that they would no longer be able to report ANYTHING to my credit and that I do not have a collection with them any longer because it was recalled. I want them to delete it off my credit bureau 's as myself and XXXX has requested. This company who also is using the name ICS Is falsely representing themselves as responsible for, money owed to, or paid to collection agency when none of that is true. The last call I had with them moments before filing this is " that they don't report to the credit agency 's, they as in FCS can't do anything because its up the credit bureaus '' which is a blatant lie because ( its reported on my credit by them ) Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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: FL

Complaint narrative:
I have filed disputes with XXXX trying to get a fraudulent account removed from my credit report many times from XXXX  through present and constantly they are not investigating this property. They just send me a message saying this is your debt. If they would check it properly then they would see its not mine.

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 2021-10-14 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: FL

Complaint narrative:
I have filed disputes with XXXX trying to get a fraudulent account removed from my credit report many times from XXXX  through present and constantly they are not investigating this property. They just send me a message saying this is your debt. If they would check it properly then they would see its not mine.

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 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I NEED TO FILE A COMPLIANT REGARDING INQUIRES AND AN ACCOUNT REPORTING ON MY CREDIT REPORT. I NEVER AUTHORIZED ANY OF THESE.

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 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
So I saw an ad that they could lower my interest rate. Gave them my information, and they put 2 hard inquiries on my report. One from XXXX XXXX XXXX and another XXXX XXXX. I try calling XXXX XXXX  and they say to call the banks and then the banks say to call XXXX XXXX. Then XXXX XXXX said to call Transunion. Transunion said to call XXXX XXXX and I explained to them I have and they advised I call you guys. 

This the second complaint, the last one had expired. But I did try and call again and nothing. 
Left a voicemail to the lady that had responded to the complaint, but I dont really think itll go very far based off past experiences.

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 2021-10-14 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: MS

Complaint narrative:
The information reporting on my account is inaccurate, there are multiple addresses and names associated on my credit report that is inaccurate.

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 2021-10-14 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: EQUIFAX, INC.
State: MS

Complaint narrative:
The information reporting on my account is inaccurate, there are multiple addresses and names associated on my credit report that is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I NEED TO FILE A COMPLIANT REGARDING INQUIRES AND AN ACCOUNT REPORTING ON MY CREDIT REPORT. I NEVER AUTHORIZED ANY OF THESE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: KY

Complaint narrative:
On XXXX XXXX I called Wells Fargo Bank to pay off my mortgage. I was informed at that time that there were sufficient funds in my escrow account to settle the mortgage. I agreed to have the {$610.00}, the mortgage payoff deducted and the balance of {$1300.00} refunded to me within 10 working days.I did not receive it.Wells Fargo Bank sold my Mortgage to XXXX.XXXX XXXX XXXX on XXXX XXXX. MY MORTGAGE WAS ALREADY PAID. According to Wells Fargo they sent my payment and the escrow money to XXXX on that date.XXXX  contends they did not receive the payment and is holding my escrow and will not refund it to me.And will not release my loan until payment is received. And if course they have added servicing fees, late fees, etc.

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 2021-10-14 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: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
On XX/XX/XXXX I received an email from XXXX XXXX ( monitoring ) that my credit account with SYNCB/PPMC ( Synchrony Bank ) had been closed. I was told by a supervisor ( XXXX # XXXX ) after speaking to two other individuals that nothing could be done. How can a company close an account in good standing and damage your credit score without any prior notice ( ie. reduced available credit and closed account mark, which has already reduced my credit score. )??? 

The purpose of available credit is so it's there when you need it...

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 2021-10-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AFNI INC.
State: PA

Complaint narrative:
As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with AFNI INC on Sunday XX/XX/2021. I request that this account is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14 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 sent multiple request for validation of debt via a contract with my signature stating that i have agreed to paying back a debt and or owe debt to collection agency listed on my credit. I also requested that those accounts be taken off of my credit until proof can be submitted and all three credit bureaus including collection agency have failed to send me requested validation on multiple occasions. And debts are still on my credit and has not been removed

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