vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 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:
The credit card balance reported for XXXX XXXX XXXX account ending in XXXX is incorrect. Please update with the accurate balance of {$460.00}.

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 non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
Since approximately XX/XX/XXXX I have had issues with the company portal in being able to make payments on time. The portal is constantly timing out, showing an error that it " can't be accessed right now '' or the " page is down ''. This has affected my ability to make timely payments which the company has charged late fees for. 

Approximately XX/XX/XXXX I attempted to log into the portal to make a payment in full and close the account due to the fact that I can never use the online account effectively. I once again was unable to access the account ( screenshots attached ) and am unable to make a payment in either XXXX XXXX or XXXX XXXX browsers. I receive the same error in that the page is down and this has gone on for months now. 

Today, approximately XX/XX/XXXX I have noticed that the company has now posted a late payment against my credit that has reflected across all 3 major reports and my XXXX.

I am requesting that this late payment be removed from all of my credit bureau reports as I have attempted to make payments to this company multiple times without success. The customer service team redirects you to try another browser and I have tried them all without being able to access the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CA

Complaint narrative:
There is a account on my credit report reporting as child support/family support and courts do not even report to credit bureaus. This could be any ones account but they keep saying its mine. My signature is no where to be found and there is no evidence that this was reported with VALID verification. I have asked for it be removed multiple times and i have even called the courts who say the do not report to credit bureaus so they say dispute with credit bureaus but every time there is always a invalid investigation when i dispute with the credit bureaus.

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 2022-02-28 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: CA

Complaint narrative:
There is a account on my credit report reporting as child support/family support and courts do not even report to credit bureaus. This could be any ones account but they keep saying its mine. My signature is no where to be found and there is no evidence that this was reported with VALID verification. I have asked for it be removed multiple times and i have even called the courts who say the do not report to credit bureaus so they say dispute with credit bureaus but every time there is always a invalid investigation when i dispute with the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: MI

Complaint narrative:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 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: CA

Complaint narrative:
There is a account on my credit report reporting as child support/family support and courts do not even report to credit bureaus. This could be any ones account but they keep saying its mine. My signature is no where to be found and there is no evidence that this was reported with VALID verification. I have asked for it be removed multiple times and i have even called the courts who say the do not report to credit bureaus so they say dispute with credit bureaus but every time there is always a invalid investigation when i dispute with the credit bureaus.

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 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Mortgage info : Payment due XXXX of month, delinquent XXXX of month. 

XX/XX/XXXX First payment due to Caliber Home Loans. I set up XXXX with a money market XX/XX/XXXX scheduled XXXX engaged. 
XX/XX/XXXX XXXX was reversed unbeknown to me. 
XX/XX/XXXX I received notice the XXXX failed. Apparently the money market account is a checking not a savings account. I called XXXX customer service. After XXXX minutes on hold XXXX told me to make the correction ( change bank account type to checking ) online. He said they had a new system and he couldn't help me on the phone. However, I was unable to make any changes to XXXX online because the date was too close to the transfer date ( XX/XX/XXXX ) and a notice told me to call a representative! 
XX/XX/XXXX I made a phone payment ( conf # XXXX ) to cover the XXXX autopay failure. 
XX/XX/XXXX XXXX I called Caliber and confirmed the XXXX payment had been successfully applied. I was able to change the money market account type to checking online. 
XX/XX/XXXX XXXX Called Caliber again to make sure the autopay would work. XXXX told me the bank information on file was correct and should work fine. She said she would email me verification and call discussion. I also requested a waiver of the {$50.00} fee since I was trying desperately to correct this issue and make my payments. She indicated she would try to waive the fees. I never received the email of our call discussion or verification. 
XX/XX/XXXX XXXX scheduled autopay attempted. I checked my account daily. 
XX/XX/XXXX Seeing no deduction in my bank account for the payment ( payment appears successful on XXXX website ), not wanting to be delinquent, I made an online payment for XXXX payment. XXXX applied it INCORRECTLY to XXXX indicating my XXXX payment is past due. 
XX/XX/XXXX Sent letter of explanation to Caliber. No response. Receiving default letters. 
XX/XX/XXXX XXXX rejected. More fees applied. Credit dinged on XXXX. More default letters arriving from collection agency. Caliber removed autopay option. 
XX/XX/XXXX XXXX, not seeing a deduction on my bank account, made an online payment for XXXX. Caliber INCORRECTLY applied to XXXX. Still indicating my XXXX payment is past due. I sent a XXXX XXXX of explanation which they received XX/XX/XXXX. I have had no response from Caliber. 
XX/XX/XXXX On hold for XXXX minutes. XXXX listened and worked through my payment and misapplication dates.She stated they would be allocated correctly in 3 days and my credit ding would be reversed within 7 days. Nothing has changed as of XX/XX/XXXX. 
The only payment I am delinquent on ( though not from lack of trying! ) is XXXX. I have never been delinquent on any payment anywhere. 
I have screen shots of their website changing my information and reverting it back later. They have turned off XXXX and back on multiple times. The information on their website regarding my account is incorrect, inaccurate and deceiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Pursuant to my complaint # XXXX to CFPB, Regarding closing my account, enclosed is the Citi Bank 's letter dated XX/XX/XXXX, stating of the account closure and issuing an official check for the balance deposit to account holder 's address on the file within sixty days of the letter. As of this date XX/XX/XXXX, Citi bank not only has send my {$100000.00} deposit balance, but also no bank statement was sent since XX/XX/XXXX. 
Here again the Citi Bank violates its own commitment to customer, besides closing my account with irrational and abusive actions. 

I must emphasize, Citi Bank disregard my honest error by returning {$100000.00} transfer to resolve the issue and now withholding my {$100000.00} deposits over 115 days. Citi Bank restricted and closed my account on XX/XX/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 2022-02-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The credit card balance reported for XXXX XXXX account ending in XXXX is incorrect. Please update with the accurate balance of {$5900.00}

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 non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: GA

Complaint narrative:
The representatives call me on my due date harassing me about payment. I tell them when I plan to pay and then they ask all kinds of personal questions about my job and what's going on why am I in the situation that I'm in. That is totally out of line. The employees at Lendmark Financial need proper training on telephone etiquette.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: TX

Complaint narrative:
It is unfortunate that I have to continually complain against XXXX XXXX XXXX XXXX ( XXXX ). XXXX  labels all my complaints as duplicate but has yet to provide the permissible permission used to access my credit report on XX/XX/2017. XXXX didnt have permission and would rather feel like they have answered but they have yet to provide me with the valid permissible permission. They have also said they mailed the permission but that is false.

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 2022-02-28 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: TX

Complaint narrative:
1. XXXX XXXX XXXX XXXX Account listed not mine information listed inaccurate 2. Bankruptcy reporting Account listed not mine information listed inaccurate- violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: Incomm Holdings Inc.
State: MN

Complaint narrative:
The gift card retailer is Vanillagift.com ( aka incomm.com ) I purchased 3 gift cards and 2 of them were used by someone else fraudulently for purchases I did not approve. 

Card 1 : I purchased the card with a {$50.00} balance and someone used it to purchase {$17.00} fraudulently from a XXXX pharmacy in CA Card 2 : I purchased with a {$320.00} balance and someone used it to purchase {$210.00} fraudulently from a XXXX in XXXX XXXX I have filed complaints with Vanillagift.com ( incomm.com ) with no resolution. After researching, it seems this is a common trend for this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: NC

Complaint narrative:
Complaint RE : XXXX & TransUnion 30 Day Investigation Period Expired Dear CFPB, I sent a letter to XXXX & TransUnion disputing XXXX ( XXXX ) accounts as erroneous on XX/XX/2022 and mailed them certified, return receipt requested. I received notice in the mail that XXXX XXXX TransUnion received the dispute letter on XXXX/XXXX/2022. It is now XX/XX/2022 and I have not received a response from XXXX nor TransUnion. Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), XXXX & TransUnion have 30 days ( about XXXX and a half weeks ) to investigate disputes. If XXXX & TransUnion can not verify the information within the 30-day time period, XXXX & TransUnion must delete all the disputed accounts from my report. 
Enclosed find a copy of the receipt showing when XXXX & TransUnion received my credit dispute and a copy of my original letter showing all the accounts I have disputed. 

Thanks in advance for your timely response to this complaint. 

Sincerely, XXXX XXXX XXXX - Consumer

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 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I currently have my mortgage with chase bank. I called on XX/XX/XXXX to injury about how to drop my PMI ( private mortgage insurance ). I was told that I would have to get a broker price opinion ( BPO ). I was asked if I consent to a BPO which I stated I did. I gave my bank account information over the phone for a amount of {$150.00} fee for the BPO. I was told that the BPO would need to be scheduled within 7 business day. I agreed. After 10 business days, I did not receive a call scheduling the BPO. I called Chase back. There were many " issues with computers '' and ultimately chase could not find my request despite all phone calls being recorded. After the representative asking to call me back, not calling the right number I gave her for a call back etc, I consented again and gave my verbal consent for BPO and bank account information for a {$150.00} fee. I did see this fee get charged and placed on my mortgage account. I then waited another 10 business days and called Chase back. I was told that the funds were processed incorrectly and that the {$150.00} went to the principle. I explained that I still had not received a call from a BPO agent and since this had been well over the initial 7 business days this should be expedite. I was placed on the phone with an " expedited case manager ''. I explain to him that I would like to know what BPO agent was assigned to my account given it had been greater than their policy of 7 business days. The expedited case manager could not help. I believe this is fraud as they are holding my funds of {$150.00} and not providing the service promised. I have spent approx 10 hours on the phone with chase to resolve this with no resolve possible. 

I had finally been contacted by a bpo agent completing a BPO on XX/XX/XXXX. I was told by this BPO agent that the BPO was submitted by XXXX on XX/XX/XXXX. I received a call from the executive office XXXX XXXX on XX/XX/XXXX. I asked her for an update as the bpo agent stated that chase would have the bpo by Tuesday. She did not have one to provide. I called back on Friday many times after I tried to leave a message and it would try to disconnect me. I was told by XXXX that she escalated my case. I asked her for an average time one should expect to hear the result as a BPO. I was not given an answer. I was told by XXXX that she would call me to update me on Monday. I did not hear from her on Monday XX/XX/XXXX and therefore called her at XXXX. I was told again that she escalated the case. I asked her how long one would expect a case to be escalated until they hear back. She was unable to give me a time frame. I explained to her I would be filing another complaint as well as calling morning and afternoon daily until this is solved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: HUNTINGTON NATIONAL BANK, THE
State: CA

Complaint narrative:
I sold my property at XXXX XXXX XXXX, XXXX XXXX, CA XXXX in XXXX 2021. The HELOC was paid off with TCF bank. Huntington bank are now contacting me saying that they took over the loan and I owe money. Attached is the final disbursement from the title company and a copy of the wire transfer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: MI

Complaint narrative:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.

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 2022-02-28 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: MI

Complaint narrative:
As the original creditor and natural person, I did not give these companies consent to furnish my consumer report. In order for this account to be put on my consumer report and file that means the account had to have been validated. No one but me can validate a date. Therefore, these companies are violating my rights. I have attached documents that were sent certified mail. They have yet to comply.

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 2022-02-28 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: TX

Complaint narrative:
1. XXXX XXXX XXXX XXXX Account listed not mine information listed inaccurate 2. Bankruptcy reporting Account listed not mine information listed inaccurate- violation of the Fair Credit Reporting Act.

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 2022-02-28 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
Original account opened for a XXXX XXXX XXXX  XXXX XXXX account number XXXX opened in XXXX, not XX/XX/XXXX, debt collector XXXX XXXX violated FRCA, listed an old debt as new, " re-aging '' a debt is violation under FRCA. XXXX XXXX opened the account in XXXX not consumer. Dispute about account filed with Experian, all I get back is a computer generated print out not addressing what I was actually disputing. They are obligated by law to report accurate 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 explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX check # XXXX in the amount of {$20.00} was mailed to Florida XXXX XXXX XXXX. 
Somewhere along the way the check was compromised and re-written to a XXXX XXXX in the amount of {$9300.00} and cashed. I immediately went to TD Bank to report this act of fraud and closed my account. A new account was opened. TD Bank did not offer any temporary checks or cover costs of new checks. A Police report was taken by the XXXX XXXX Police Dept. Case # XXXX. 
XXXX XXXX with TD Bank ( XXXX ) XXXX sent a letter on XX/XX/XXXX stating that TD is looking into the case and that it could take 120 days or more for the " other '' financial institution to make a decision on returning my money. No other communications have taken place with TD Bank.

Company response to consumer: Closed with explanation