vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-31 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-10-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: GA

Complaint narrative:
I called EdFinancial to request a refund of my loan payments on Friday XX/XX/XXXX and today ( XX/XX/XXXX ) I called for a status update on my request. The representative told me my refund request had not been processed and she could not give me an estimate of how long I should expect my refund nor an average of how long it usually takes for these refunds. This is a time sensitive matter as the federal student loan interest will start back up in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Dear Sir or Madam : I am writing you because Chex Systems provided information that allowed adverse action against me based on the information they provided. 

Chex Systems never provided details as to the allegations against me. 

Consequently, per section 609 [ 1681g ] ( b ) Free disclosure after adverse notice to consumer of the Fair Credit Reporting Act I am entitled to a free credit report. 

The federal Fair Credit Reporting Act ( FCRA ) specifies section 611 ; subsection 1 ( A ) that a 30-day period beginning on the date on which the agency received the notice of the dispute from the consumer or reseller is reasonable time to reinvestigate and remove the inaccurate information.

Moreover, Section 611, subsection 5 ( A ) states that any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer This verification was not done. Consequently, the adverse information from ChexSystems must be deleted from the report as soon as possible.

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 2022-10-31 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
Placed for collection by XXXX XXXX XXXX with Preferred Collection & Management services for {$51.00}. Claim states this is amount I owe for blood work on XXXX. I never received a bill from the hospital nor a notice from XXXX XXXX XXXX. From what I can ascertain on the phone, this was a denied charge for XXXX code, and should have been resolved internally. I was told this could take 30+ days to resolve. In the meantime, my credit report shows I have been placed for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Sometime in the first week of XX/XX/XXXX, I saw a text in my phone requesting applicants to apply to carryout a survey assignment with XXXX, to which I applied. 
2. On the XX/XX/XXXX, I received a XXXX XXXX  Cashiers check in the mail in the sum of {$4700.00} along with instructions purportedly from XXXX requesting that I purchase XXXX XXXX XXXX XXXX and undertake some survey activities in XXXX XXXX ( letter enclosed ). 
3. I thereafter lodged this check in my bank ( fifth third bank ) and my account was credited in the sum of {$4700.00} seeing that this was seemingly genuine, I thereafter started carrying out the assignment and reporting my progress to the scammers via text. 
XXXX. Again, on the XX/XX/XXXX, I received two other checks also in the sum of {$4700.00} each which were also lodged in my account. 
XXXX. It was latter on the XXXX and XXXX XXXX, XXXX that my bank returned the checks as unpaid/ fraud advise after I have carried out most of the assignment. ( Bank statements attached ) XXXX. PRAYER : Fifth third should be made to return my money in the sum of {$7500.00} as well as {$45.00} charged as return fee for the XXXX checks Totalling {$7600.00} XXXX. After the purchases of the gift cards, I was supposed to make {$1300.00} from the survey. 
XXXX. I am usually careful when it comes to finances, but fifth third bank made me believe all was well. 
XXXX. Counting on your assistance towards this recovery, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. tXXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: LA

Complaint narrative:
This is an excerpt from an email sent to Triad on XX/XX/2022. 

we closed on our construction to permanent loan in XXXX. I made payment in XXXX and XXXX for what was due. My XXXX payment was supposed to be my first permanent loan payment. My XXXX payment was never applied to the loan only showed up as unapplied. I made several phone calls at the end of XXXX and beginning of XXXX in regards to this. I was told because the loan was being transferred to permanent that is why it showed unapplied. Well it started getting closer to the end of XXXX and I called again. I believe the same day I called the 3rd or 4th time my XXXX payment was then reversed and also changed to unapplied. Tried calling again after a couple of no changes. Was told it was again because the loan was being converted, and they would send the the manage of the department an e-mail to call me. An e-mail was sent because getting someone on the phone in that department is a complete joke. I never received an email or phone call back from XXXX after the below email was sent. 

I called again on the Friday after that email and a lovely person in the servicing department got her manager involved. I received that phone call on Monday letting me know she was going to again get a message the manager in closing, XXXX, to call me. I received a phone call on Tuesday from XXXX who was told my XXXX to call me and tell me the loan had not been converted because I had not made payments. Had he or his supervisor taken 2 seconds to actually review my account before calling me they would have seen I made my payment on time and correctly both months. 

At some point in all of these phone calls I received the information that the original person working on converting the loan was no longer with the company. 

I do not what is going on, but my online account shows I owe a total of about {$2000.00}. As far as I can tell what is currently due after taking away what is in unapplied, my total due is still not what it should be for my permanent payment. 

Since this e-mail, I have spoken with XXXX, who is in the process of converting out loan to permanent, two time. Both times I have spoken with her she let me know it is being worked on and give a date about a week away that is should be completed. 

My 2nd payment for my permanent note is now due tomorrow. I have been reassured nothing will be counted against me, but at this point I now have 2 house notes to pay at once because of their issues and errors. 

This is been the worst mortgage/loan company I have ever had to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: NY

Complaint narrative:
I've sent dispute letters for reinvestigation with cra. They sent back reinvestigation showing inaccurate accounts as verified. I've tried to fix this matter with cra. I ask if they contacted furnisher and ask for names and address to whom provided the information, and they had no answer. Cra or furnisher either both has violated the FCRA LAWS. I have proof of violations. Here are the laws that cra didn't obey. Thank you. 

1.15 U.S.C. 1681e SECTION 607 ( B ) 2.15 U.S.C. 1681i SECTION 611B ( iii ) 3. 15 U.S.C. 1681 SECTION 602 A.

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 2022-10-31 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: VA

Complaint narrative:
I just received my reinvestigation back from TransUnion. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ). 

Because the list of accounts below are not accurate. The open date, date last active, and the date of the last payment is NOT 100 % accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( i ). 

I have attached a consumer report as evidence.

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 2022-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA

Complaint narrative:
Our XXXX, XXXX, XXXX, and numerous other recurring charges were not paid, numerous checks were bounced, and our debit card has been diabled for a month denying is access to our entire savings and our retirement income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-31 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719tXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

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 2022-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I applied and received a line of credit with Citizens bank. The closing took place on-line. I did not receive a copy of the contract at that time. The agreed interest rate was 4.25 %. The rate increased monthly to 7.5 % in less than four months. This clause was not explained to me. and still hasn't. The clause is very hard to understand without some sort of explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: MO

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-31 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: FL

Complaint narrative:
The payment history reporting from XXXX XXXX XXXX is incorrect. If the car was repossessed in XXXX, why is it showing late from XXXX XXXX XXXX? It is not possible for this account to late after or to be charged off before repossession. Which shows XXXX XXXX XXXX. 

This is a violation [ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I'll like to know why am I am being targeted. I have rights that should be honored. This inaccuracy has caused suffering. There are over 12 payments that are 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 2022-10-31 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: FL

Complaint narrative:
The payment history reporting from XXXX XXXX XXXX is incorrect. If the car was repossessed in XXXX, why is it showing late from August 2019-January 2019? It is not possible for this account to late after or to be charged off before repossession. Which shows December 2019-October 2019. 

This is a violation [ 15 U.S.C. 1681 ] ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

I'll like to know why am I am being targeted. I have rights that should be honored. This inaccuracy has caused suffering. There are over 12 payments that are inaccurate.

Company response to consumer: Closed with explanation