vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I sent a letter on XX/XX/XXXX to remove collection accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX Ive already included this in my previous Complaints & I am including it again., XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX : {$2000.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$120.00} XXXXXXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$860.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$920.00} XX/XX/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 non-monetary relief
Consumer complaint received 2022-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
I called Ally on XX/XX/XXXX regarding the late charges of XXXX on my account due to the last car payment was made on XX/XX/XXXX. I advised that I wanted to see if the late fees could be reduced somehow due to COVID issues. The customer care professional advised that my loan was PAID IN FULL and I would recv my title in the next 10 days. 

After not recv my title I contacted ALLY and advised that I had not recv my title. 

XXXX advised that there still showed an existing balance. 

I advised XXXX that the customer care advise that this account was paid in full and he said that give him 3 days to provide feedback after the call was reviewed. 

The call was reviewed and confirmed that the customer care person advised that this account was PAID IN FULL XXXX advised that the account we be sent over to the complaints due to this issue. 

XXXX SUPERVISOR called back and advised that he would need to send to manager because he did not have the ability to waive that much in late fees. 

Manager never called me back. 

XXXX from the charge-off department called on XX/XX/XXXX and advised that there is no notes at all to reference any of the above calls and she has no idea about the above. 

XXXX escalated to XXXX the supervisor and he advised that he could not access the system with the notes and the best he could do was provide 15 % off the late fees. 

I advised that I would escalate this issue to CFPB and the XXXX 

I have been getting the run around and no one taking accountability for the inaccurate information that was provided by ALLY.

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 2022-05-25 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: IL

Complaint narrative:
I complained about this company, Experian, before and the company claimed that they would look into it, but did not provide any proof that they have any information showing that my credit is still linked to XXXX prior addresses. I have asked repeatedly that the old addresses be removed and they refuse to do so. This is prejudicial to my credit and this information needs to be removed immediately.

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 2022-05-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I applied for the California Mortgage assistance program on XX/XX/XXXX. My application was finally approved on XX/XX/XXXX and the assistance program paid my mortgage company, Specialized Loan Servicing ( SLS ), to bring it up to date. I had previously set up automatic payments with them which they failed to cancel once they received the payment from the assistance program and they processed my payment on XX/XX/XXXX for a total of {$3800.00}, and it was deducted from my bank account. I called them and told them that they were not supposed to process the payment since my account had been paid up to date by the assistance program and they assured me they would process a refund check and mail it back to me. I have called them quite a few times because they have a track record of messing things up and each time they assured me that they mailed the check to me. I called earlier this week and they said they had sent it out on XX/XX/XXXX but I still haven't received it. I decided to call today and the " customer service '' representative at XXXX who answered told me they had wired the payment back to the mortgage assistance program. I am not sure when or why that decision was made. I spent an hour on the phone with them and they said all they can do is advise me to contact the mortgage assistance program, which I think is ridiculous considering they are the ones who made the error. If I had not contacted them asking for the refund they would've just credited my account which would've been better than completely losing the money. This is a huge financial burden on me and I really need the money as soon as possible. My mortgage company essentially stole the money from me as the payment was not supposed to be processed since my account was brought current by the mortgage assistance program. I contact the California mortgage assistance program but they are unsure on how to handle it as they have not encountered this issue before. SLS needs to resolve their error and refund the money to me!

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 2022-05-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I submitted complaint XXXX and it was closed and nested under other complaints about PNC. That complaint was about a separate issue. PNC is refusing to cash out my account as is my right. Just because I won't close my account doesn't mean they can keep me from withdrawal to full amount. I still have not heard from PNC about this other than they are waiting for the local branch manager to get back to them, who has also not contact me. I still expect to take out all my money and impatiently awaiting their response. It seems PNC doesn't have the money or cash to give me ..... 

The original complaint said : I am attempting to close my account with PNC. They are refusing to close my account and refusing to allow me to take my money out to the account. Most recently they told me I had to wait a week and speak with our loss prevention team and refused to place a cash order. I requested I want to cash out my account in US dollars NOT cashiers checks. The bank is refusing and hung up on me. The branch manager is not responding and the corporate officials have been unable to respond or find a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received notice from TD Bank that my checking account had insufficient funds to cash a check. I realized i do not have a checking account with TD Bank. THey said someone had used my social security # falsely to open an account. The fraud department closed the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 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: GA

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person. ''

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX  acquired my mortgage from XXXX XXXX  XX/XX/XXXX. When the loan was acquired the payment for XX/XX/XXXX was not credited to my account. The escalation manager told me that if I could provide a bank statement to show the payments were made, he would credit the account and remove the late fees. On XX/XX/XXXX, I provided bank statements to the XXXX XXXX  escalation department via email that showed a payment each month to XXXX from XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX the late fees were removed from the account. I applied for a mortgage refinance on XX/XX/XXXX because my 2nd mortgage is scheduled to close out XX/XX/XXXX. The refinance was denied because my credit report showed I have 30 months of late mortgage payments. Around XX/XX/XXXX I informed XXXX of the issue and they sent me a letter that stated the payment for XX/XX/XXXX was missing. I told them that I submitted my bank statement as proof that the payment was made and the late fees were waived. I was then informed that I need to submit a copy of the credit reports to them. So on XX/XX/XXXX I submitted a copy of my credit reports to the customer care email. Approximately a week later they uploaded my payment history to XXXX but did not correct the late payment status. I was again denied a refinance loan by XXXX XXXX  and another lender because of the late payment status. XX/XX/XXXX I spoke to a credit manager at XXXX and was told I had to fax my bank statements to them, so I faxed them my bank statements that day. I followed up with a phone call a week later and XXXX would not discuss the status over the phone. I had to call them once I received their decision letter. On XX/XX/XXXX I received a letter dated XXXX that stated the payment for XX/XX/XXXX was missing. I called XX/XX/XXXX and spoke to an escalation manager and was told I had to resubmit my bank statement and highlight all the payments. I informed her of the history and emailed the bank statement with the highlights she requested. I was informed it will take XXXX business days for a resolution. Mean while XXXX who can see my history will not approve me for a refinance, despite knowing the issue and the fact that I am current with payments for both mortgages. The main mortgage is showing current since XX/XX/XXXX which doesn't make sense. I'm currently trying to refinance with a credit union. Praying they will approve everything.

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 2022-05-25 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: IL

Complaint narrative:
XXXX XXXX  acquired my mortgage from XXXX XXXX  XX/XX/XXXX. When the loan was acquired the payment for XX/XX/XXXX was not credited to my account. The escalation manager told me that if I could provide a bank statement to show the payments were made, he would credit the account and remove the late fees. On XX/XX/XXXX, I provided bank statements to the XXXX XXXX  escalation department via email that showed a payment each month to XXXX from XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX the late fees were removed from the account. I applied for a mortgage refinance on XX/XX/XXXX because my 2nd mortgage is scheduled to close out XX/XX/XXXX. The refinance was denied because my credit report showed I have 30 months of late mortgage payments. Around XX/XX/XXXX I informed XXXX of the issue and they sent me a letter that stated the payment for XX/XX/XXXX was missing. I told them that I submitted my bank statement as proof that the payment was made and the late fees were waived. I was then informed that I need to submit a copy of the credit reports to them. So on XX/XX/XXXX I submitted a copy of my credit reports to the customer care email. Approximately a week later they uploaded my payment history to XXXX but did not correct the late payment status. I was again denied a refinance loan by XXXX XXXX  and another lender because of the late payment status. XX/XX/XXXX I spoke to a credit manager at XXXX and was told I had to fax my bank statements to them, so I faxed them my bank statements that day. I followed up with a phone call a week later and XXXX would not discuss the status over the phone. I had to call them once I received their decision letter. On XX/XX/XXXX I received a letter dated XXXX that stated the payment for XX/XX/XXXX was missing. I called XX/XX/XXXX and spoke to an escalation manager and was told I had to resubmit my bank statement and highlight all the payments. I informed her of the history and emailed the bank statement with the highlights she requested. I was informed it will take 5 business days for a resolution. Mean while XXXX who can see my history will not approve me for a refinance, despite knowing the issue and the fact that I am current with payments for both mortgages. The main mortgage is showing current since XX/XX/XXXX which doesn't make sense. I'm currently trying to refinance with a credit union. Praying they will approve everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX  acquired my mortgage from XXXX XXXX  XX/XX/XXXX. When the loan was acquired the payment for XX/XX/XXXX was not credited to my account. The escalation manager told me that if I could provide a bank statement to show the payments were made, he would credit the account and remove the late fees. On XX/XX/XXXX, I provided bank statements to the XXXX XXXX  escalation department via email that showed a payment each month to XXXX from XX/XX/XXXX thru XX/XX/XXXX. XX/XX/XXXX the late fees were removed from the account. I applied for a mortgage refinance on XX/XX/XXXX because my 2nd mortgage is scheduled to close out XX/XX/XXXX. The refinance was denied because my credit report showed I have 30 months of late mortgage payments. Around XX/XX/XXXX I informed XXXX of the issue and they sent me a letter that stated the payment for XX/XX/XXXX was missing. I told them that I submitted my bank statement as proof that the payment was made and the late fees were waived. I was then informed that I need to submit a copy of the credit reports to them. So on XX/XX/XXXX I submitted a copy of my credit reports to the customer care email. Approximately a week later they uploaded my payment history to Experian but did not correct the late payment status. I was again denied a refinance loan by XXXX XXXX  and another lender because of the late payment status. XX/XX/XXXX I spoke to a credit manager at XXXX and was told I had to fax my bank statements to them, so I faxed them my bank statements that day. I followed up with a phone call a week later and XXXX would not discuss the status over the phone. I had to call them once I received their decision letter. On XX/XX/XXXX I received a letter dated XXXX that stated the payment for XX/XX/XXXX was missing. I called XX/XX/XXXX and spoke to an escalation manager and was told I had to resubmit my bank statement and highlight all the payments. I informed her of the history and emailed the bank statement with the highlights she requested. I was informed it will take XXXX business days for a resolution. Mean while XXXX who can see my history will not approve me for a refinance, despite knowing the issue and the fact that I am current with payments for both mortgages. The main mortgage is showing current since XX/XX/XXXX which doesn't make sense. I'm currently trying to refinance with a credit union. Praying they will approve everything.

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 2022-05-25 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Transcontinental Credit & Collection Corp
State: NJ

Complaint narrative:
On XX/XX/XXXX I received an X-ray from XXXX XXXX XXXX XXXX for a post-op visit my neurosurgeon for XXXX XXXX XXXXXXXX and a XXXX  performed on XX/XX/XXXX in the same hospital. I did not receive a GFE for services and there were not any Consumer protection notices displayed. The hospital sold my debt to Trans-Continental Credit & Collections with whom Ive been in contact with. Their address is XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Ph # XXXX or toll free XXXX. I was offered 1/2 off the {$440.00} balance but was required to pay immediately cover the phone. I am uncomfortable without having a revised statement for my records reflecting {$220.00} and paying by phone. I am trying to resolve the matter but they hang up the phone the 2X I have called.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
University Accounting Service LLC incorrectly reported my paid-in-full student loan account as delinquent to credit reporting agencies, tanking my credit score by over XXXX points. They said this was a technical glitch, which makes me think this is happening to multiple people whose loans they service. They need to fix this technical glitch so they don't ruin people 's financial lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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: MOHELA
State: NC

Complaint narrative:
XXXX {$2600.00}. XXXX {$2600.00}. 
XXXX. 
Filed a Consolidation with XXXX  XXXX on XX/XX/2019. Information was shared without my Approval to another Company. Information was shared without my Approval.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25 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 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 XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX 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