vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report from XX/XX/XXXX, and Transunion. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 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. I am also trying to get my credit in order because I want to buy a house and move away from my current living condition.

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 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report from XX/XX/XXXX, Experian, and XX/XX/XXXX. To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report it has been over 60 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. I am also trying to get my credit in order because I want to buy a house and move away from my current living condition.

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 2020-12-22 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation

Complaint narrative:
The house was taken over by squatters for over 6 years and i could not manage to take all 13 squatters to court so myXX/XX/XXXXdaughter had to intervene and started court proceedings in XXXX so we manage to evict them in XX/XX/XXXX from the second floor but we still have squatters on the 3rd floor and rear flat in the build and still awaiting courts to re-open but i have start the process but due to Covid 19, my hands are tie so unable to process further. 
Also the squatters that were based on the second floor damage the property before eviction. However, XXXX tried to assist but due to the foreclosure they can not proceed and with Covid 19 i am unable to rent the property out. Now the court have set a date on the XXXX XX/XX/XXXX - Index number : XXXX etrack Supreme : XXXX XXXX XXXX vs XXXX XXXX. 

This is such a complex situation due to Mortgage and unable to make payment due to the squatters and not having access to the house for so long but i really hope you can assist me. 

My daughter ( XXXX XXXX ) has been helping me due to my age ( XXXX ) and ill health so its best to communicate through to her. She as Power of Attorney over this property. ( XXXX XXXX XXXX, XXXX XXXX, XXXX zip XXXX. Tel XXXX XXXX XXXX Please help me cause i do not want to loss my house but also feel helpless cause i have no assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT

Complaint narrative:
USAA is reporting a debt on my credit file that I do not owe. I recently had my credit pulled and was notified that USAA is still reporting a balance on an account that I paid off months ago. This debt has been settled in full and needs to be removed from my credit file. This account is causing my home buying process to be delayed and it shouldn't be a deragotaroy account anymore. This needs to fixed ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: ALLY FINANCIAL INC.
State: CO

Complaint narrative:
I played Ally Banks Monopoly promotion in 2019 and won {$200.00}. I never received an email to redeem these winnings. After multiple follow ups over several months where the bank associates agreed to get back to me after their investigation, I have not received any response. They were able to confirm that I did qualify and win the {$200.00}.

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 2020-12-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To whom it may concern : I made a complaint with Citi bank about alleged fraud on my account, I made multiple disputes and still have not gotten a response. Company Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Account # XXXX, I originally made a complaint immediately after the fraud was noticed. I made multiple calls to Citi bank and was told the case is pending, this was back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I also attached copies of the fraud checks. The reference XXXX and XXXX, XXXX These are the ones that I have for some reason the bank closed the case without explanation. 

I need you to check the recorded calls on the dispute claims that were made. 

Also, I have attached the checks to show the fraud and the signatures do not match. 

I did get a response that the claim was made late, it that was not the case, for some reason the bank closed my complaint so they made me file a new one

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 2020-12-22 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: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
I have disputed several times with the credit bureaus and Net Credit. I have submitted the documents to prove account is not 120 days late and they refuse to update reports and every month I continue to get an alert saying 120 days late. The account balance is wrong and they refuse to update the account balance on credit reports. They have signed an agreement to settle my account for less than balance and my debt management company has made payments every month since XXXX of 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: CA

Complaint narrative:
I submitted a charge dispute to Synchrony Bank, the issuer of my Amazon Card, in the amount of {$820.00} on XX/XX/2020 for a purchase that was not received from the vendor, Amazon.com. I received a letter from Synchrony dated XX/XX/2020 stating that credit would not be issued to my account as the vendor has provided proof of delivery. The letter indicates that this proof of delivery is enclosed, but there are no attachments. In subsequent phone conversations with Synchrony I informed them of the missing attachments. I was told that I would receive the attachments in the mail, but have not received anything for nearly 2 months. In other various follow-up correspondence with the vendor both written and via telephone, I have been asked to repay or return the disputed amount as Synchrony performed a charge back against the vendor 's account on or around XX/XX/2020. According to the vendor, the {$820.00} has not been returned to them and they have been unable to perform any kind of refund on their end, despite a willingness to do so, as the funds are missing from their account. I have written Synchrony requesting that the funds be returned to the merchant and received responses on XX/XX/2020 and XX/XX/2020 from Synchrony. In both instances, the written responses from Synchrony do not address the original inquiries as to where the funds currently are and why Synchrony has not returned it to the merchant if the dispute has been resolved. Synchrony has responded to my inquiries by opening another charge dispute for the same purchase, which was not requested by me. In subsequent phone conversations with Synchrony, I was informed that Synchrony does not perform charge backs on vendors unless disputes are resolved in the card holder 's favor. Synchrony was not willing to provide documentation to me supporting this policy regarding charge backs nor any documentation indicating that the funds were never removed from the merchant 's account in the first place.

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 2020-12-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: OR

Complaint narrative:
I filed a mandatory forbearance request with my loan servicer AES and they did not request any additional information. They granted a temporary forbearance then rescinded it and charged me a late fee in XX/XX/2020. They are charging me this late fee and forcing payment during the period the government has issued a moratorium on student loan payments, through XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-22 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: U.S. BANCORP
State: OR

Complaint narrative:
I was a with US BANK customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2020-12-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have had a Citibank savings account for several months. I attempted to withdraw funds and was instructed that in order to do so I had to open a checking account which had fees associated with it. After I did that, I was told I could then withdraw the funds that I needed. Upon attempting to do so, I was told that I needed to call in because there was a problem with the transfer. After calling in I spent an hour on the phone being transferred around and answering questions, at the end of this process I was told the account could not be verified and the funds would not be transferred, essentially that I was not able to access my money. I was also told I could visit a branch location, most of which are closed, the nearest of which is 6 hours plus away from my home.

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 2020-12-22 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wells Fargo Dealer Services is reporting a debt on my credit file that is no longer owed! I recently had my credit pulled and was notified that Well Fargo is reporting a debt for a charge off This reporting is completely inaccurate!! I paid off this account months ago and no longer owe the debt! This account is causing delays in my home buying process. As a long time customer I am very disappointed to see they have been of no help to me. I need this account fixed immediately and taken off 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 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
TRANSUNION IS REPORTING A FAX NUMBER ON THEIR REPORTS BUT THE FAXES ARE NOT GOING THROUGH YET THEY HAVE THIA NUMBER ON WEBSITE

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 2020-12-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX XXXX can now respond to the letter that I'm have attached for your viewing. 
Here is the timeline of how I have been trying to get in touch with XXXX XXXX I sent a letter via fax to the number XXXX. On XX/XX/2020. I waited a couple of days and try serval time to reach here by phone. To make sure the fax has received no answer there the phone line kept asking for an extension which was not provided! 
On XX/XX/2020. I called Khols Corporate office at ( XXXX ) XXXX. The operator gave me her at XXXXStill with no Acknowledgement so now here 's my second attempt to get in contact with her through the CFPB. 

I have attached my response letter at the bottom of that email is four-way XXXX XXXX can get in touch with me! 

Thank you for your time XXXX XXXX Happy Holidays

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report, we are approaching 60 days. I would like for like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the XXXX data breach which has also have me worried and stressed out.

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 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown information that have been put on my credit report. It is nearing 60 days and I have not received a response yet. It seems as though I am being taking advantage of and that my disputes are being ignored. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to remove those items from my credit report, we are approaching 60 days. I would like for like for you to delete these items promptly or I will be filing litigation because of the stress you have caused me. My information was also compromised by the XXXX data breach which has also have me worried and stressed out.

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 2020-12-22 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: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
57 Inquiries on my report. I did not authorize most of the inquiries and want them removed please.

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 2020-12-22 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: DISCOVER BANK
State: TX

Complaint narrative:
- No Credit Authorization Form from merchant who overcharged without my permission - Fraudulent charges not made by me - High balance incorrectly reported to all bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
At XX/XX/XXXX, I made a wire transfer through a HSBC branch to an Escrow company 's XXXX XXXX XXXX account, the amount is {$8000.00}, until XX/XX/XXXX, the escrow still didn't get the money, then I requested to withdraw this money, as of today, still didn't get any update from HSBC, I called them everyday, then everyday they just told me they are waiting response from their back-end department.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
THIS COLLECTION COMPANY IS TRYING TO COLLECT AN ALLEGED DEBT WHICH IS NOT MINE AND A VIOLATION OF MY FCRA RIGHT. I REACHED OUT TO THIS COMPANY VIA EMAIL ASKING FOR PROOF OF THIS ALLEGED WHICH CANT NOT BE FURNISHED SO THESE ACCOUNTS NEED TO BE REMOVED FROM MY CONSUMER REPORTS.

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 2020-12-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In XXXX of XXXX, my wife and I obtained a construction loan from XXXX XXXX XXXX XXXX  to build a home in Michigan. 

In XXXX of XXXX, we began the process of rolling the construction loan over to a mortgage. During this process, there was a delay in us receiving documents from the bank due to the processor not knowing which address to send the paperwork to. My wife and I currently reside in Florida and all prior paperwork was sent to the Florida address. 

In XXXX of XXXX, XXXX XXXX XXXX XXXX  reported a late payment to Transunion and XXXX. 

On XX/XX/XXXX, we contacted the bank and they advised it was their error and corrected it with Transunion and XXXX  who removed it from our credit reports. 

On XX/XX/XXXX, the late payment was removed from our credit reports. 

In XXXX of XXXX, when XXXX XXXX XXXX  reported the XXXX mortgage payment to Transunion and XXXX, the late payment from XXXX that was previously removed, reappeared on our credit reports. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX  who again contacted Transunion and XXXX  who removed it from our credit reports. 

On XX/XX/XXXX, the last payment was removed from our credit reports. 

In XXXX of XXXX, when XXXX XXXX XXXX reported the XXXX mortgage payment to Transunion and XXXX, the late payment from XXXX that had been removed twice already, reappeared on our credit reports with Transunion only. 

On XX/XX/XXXX, we filed a dispute with Transunion. 

On XX/XX/XXXX, we notified the bank. 

In XXXX of XXXX, when XXXX XXXX XXXX reported the XXXX mortgage payment to Transunion and XXXX, the late payment from XXXX that had been removed three times previously, reappeared on our credit reports with Transunion only. 

On XX/XX/XXXX, we filed another dispute with Transunion. We did not notify the bank. 

XXXX XXXX XXXX XXXX  advised they corrected the issue with their underwriter and core system that reports to the credit reporting agencies. 

XXXX  appears to have fixed the issue on their end. However, the error reappears with Transunion every month when the mortgage payment is reported to them. Each time this occurs our credit score drops until the issue is corrected.

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