vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-23 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: BTH Management
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: Synerprise Consulting Services, Inc.
State: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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 XXXXXXXX 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 XXXX XXXX over XXXX has me at a score around XXXX. 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 XXXX 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 XXXX 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 XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.

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 2022-03-23 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 T 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 Bum. 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 XXXX 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 XXXX remove the inquiries and its been 60days n they record the calls XXXX 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im depressed now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CCS Financial Services, Inc.
State: MI

Complaint narrative:
CCS COLLECTION is obligated to this Consumer with a NOTICE OF DEBT ; CONTENTS as propounded within 15 U.S.C 1692g ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ).

CCS COLLECTION has failed to comply with the Notice Requirements set forth within 15 U.S.C 1692g Validation of Debts, specifically paragraph ( a ), subparagraphs ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( 5 ).

CCS COLLECTION has failed to apprise this Consumer of his right to dispute and request validation of the information being communicated to XXXX XXXX and XXXX.

CCS COLLECTION has incurred liability under the FDCPA as a result of its failure to comply with the above mentioned title and section. ( See 15 U.S.C 1692k ( a ) ( 2 ) ( A ) ).

CCS COLLECTION is a debt collector who has regularly furnished negative/ adverse information about this Consumer and is therefore subject to the Fair Credit Reporting Act ( hereinafter FCRA ) CCS COLLECTION is obligated to comply with 15 U.S.C 1681-2 ( a ) ( 7 ) ( A ) ( I ) when furnishing negative/adverse information to a consumer reporting agency CCS COLLECTION furnished negative/adverse information about this Consumer to XXXX, XXXX and XXXX CCS COLLECTION has a duty to this Consumer to provide this Consumer with a written notice prior to, or no later than thirty days after, furnishing the negative info to a consumer reporting agency This Consumer has yet to receive a written Notice of negative/adverse information from CCS COLLECTION and the time allotted for doing so has since expired.

CCS COLLECTION has incurred statutory liability under the FCRA as a direct result of its failure to comply with the above mentioned title and section.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Accounts, XXXX XXXX XXXX ( Original Creditor : XXXX ) account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) account # XXXX, and XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-23 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: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -ACCOUNT # XXXX - DATE OPEN XX/XX/2022 - ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN ACCORDANCE WITH THE FAIR CREDIT REPORTING CONVERGENT ACCOUNT HAS VIOLATED MY RIGHTS. 

-15 U.S.C 1681 SECTION 602A. STATES I HAVE RIGHTS TO PRIVACY.

-15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATESA CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WIHTOUT MY WRITTEN INSTRUCTIONS.

-15 U.S.C 166b A CREDITOR MAY NOT TREAT A PAYMENT OR PAYMENTS ON A CREDIT CARD ACCOUNT UNDER AN OPEN-END CONSUMER CREDIT PLAN AS LATE FOR ANY REASON.

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 2022-03-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Recovery and Collections, Inc.
State: NV

Complaint narrative:
This complaint is regard to false inaccurate erroneous information on my credit report. Sentry Recovery has been reporting this false information on my credit account since XX/XX/2018. I reviewed my credit report and noticed the amount that they claim is owed has changed several times from {$1100.00} to current {$1300.00}. I have been in contact with the original creditor and they are not able to provide me with any records on why any balance is on my account or the reason a balance is going up. 
This debt is not mine. Also I did not receive any notification of any debt being added to my credit profile which from my understanding is illegal. 

I have spoken with representatives at Sentry recovery on several different occasions due to them harassing me over this alleged debt. They have not been able to provide me with any breakdown of fees, deposits or pictures of any alleged claims for an account. I have spoke with XXXX XXXX, XXXX and as well XXXX XXXX just to name a few. 
Each call ends with them either hanging up due to them not being able to verify any info or long wait times. These communications have been made over the course of three years too long.If they are not able to provide these things then they should not be legally able to collect. 

I have disputed this information with the major credit companies and this false account has been removed from each except XXXX. They claim this is a valid account but are not able to provide with any validation such as records, price breakdown or fees. 

This account is affecting me in many ways. My next steps is a lawsuit for deformation and reporting false information. Please remove Sentry Recovery Collections from my accounts.

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 2022-03-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
My bank administrator at Truist suggested going through their website to apply for a credit line so I could fix my roof. The bids for the replacement are $ XXXX the amount applied for. 
The house is paid off and there is no mortgage. The house is valued over $ XXXX. Between cash and investments total assets are over $ XXXX. Income is a pension and a small business. I have one credit card with a balance of just over {$100.00} and a second of {$3500.00}. A truck loan ( which I qualified for ) with a balance of $ XXXX which will be paid off by XXXX, a year early. My credit score is XXXX. My annual income is consistent never less than $ XXXX a year. My monthly income is {$3700.00}. My monthly liabilities are less than {$1000.00}. 
The reasons given for the denial are inconsistent with past practices and certainly still apply now. The debt to asset ratio fall well within the industry norms. Having secured loans from this institution before. I have been banking with SunTrust for 35 years, the same account adding a business account and savings account that has more money than the loan itself.

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 2022-03-23 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Hi, My name is XXXX XXXX and across all 3 bureaus under my Chase card there is an issue with late payments that is being reflected across all 3 bureaus. I am trying to get an mortgage loan where there is 6 late payments reflecting on my account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX varying from 30 days to up to 90 days late. I have reached out to chase on multiple occasions regarding this in which they never helped to help me fix this and as a results closed my account at the time. Please see the attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: 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 explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I have a {$500.00} secure cc since 2015 good standing no late payments. Bofa will not lift the security feature after asking for years, nor increase the limit. I have a credit score XXXX and steady employment XXXX  for 14 years making over $ XXXX a year. I am a XXXX women and feel it's more about discrimination. I have proven for the last 7 years to be an ideal customer with all on time payments. I believe the refusal to move forward is more about the mistreatment of XXXX customers.

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 2022-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: CA

Complaint narrative:
XXXX XXXX company refuses to modify my loan and has been over charging me for taxes every month and owes me 2000 in over fees but refuse to release the funds till Im off forbearance. 
They sold my loan to midland mortgage after reading reviews I see its going to be very hard to work with them as well.

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 2022-03-23 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: NC

Complaint narrative:
all three agencies not updating balances on a monthly basis and affecting scores, cant dispute online says to wait til updates which have been over a month since the last update. get run around called card agency states they have already sent to the credit agency. call credit agency they say call the creditor. also, the XXXX score process paid down credit card balances to almost nothing owed and credit score lost points. being penalized for paying seems like.

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 2022-03-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: DC

Complaint narrative:
On XX/XX/XXXX I initiated an international transfer to a friend of mine in XXXX with MoneyGram. After completing the online process, at around XXXX on the same night, my bank called me to confirm this transaction. I provided my consent and it went through. 

Subsequently, at approximately XXXX, I received notification from MoneyGram that my transfer was sent. The reference # provided was : XXXX. 

Following this, I received an email at XXXX on the same day ( XX/XX/XXXX ) informing me that : " For your security, please note that effective immediately your MoneyGram Online profile access has been revoked and your profile has been suspended. 

MoneyGrams review of your profile and associated activity has identified it as being at high risk of fraud, scams, or other associated activity which may include a violation of MoneyGrams Terms and Conditions Please direct any questions to this link ; select E-mail and complete the online form. '' Since that date, I have submitted 4 different requests for information, one via Online Chat and three via the link provided in the email. The three via the link provided have case # 's as follows : - Case # XXXX : " XXXX - XXXX Question or Feedback '' ( XX/XX/2022 @ XXXX ) - Case # XXXX : " XXXX - Report Fraud '' ( XX/XX/2022 @ XXXX ) - Case # XXXX : " XXXX - General Question or Feedback '' ( XX/XX/2022 ) The first complaint had a response on XX/XX/XXXX that provided no additional information ; the bulk of the response is quoted below : " Thank you for contacting MoneyGram. We appreciate the opportunity to address any questions or concerns you may have. 

Upon review, it appears your inquiry addressed to MoneyGram has been noticed. You were able to spoke to chat service and the information about your profile account was provided. '' Nothing of the sort occurred with an online chat and I was somewhat confused how I received this message since MoneyGram does not allow these types of inquiries to be brought to the Live Chat folks... they immediately push you off to the weblink. I was informed on one of these Live Chats that since I received that email the transaction would have been cancelled automatically, but that is most certainly not the case. My bank account still has a {$270.00} debit from MoneyGram.

At this point, I have filed a dispute with my bank and am following the procedures they have set forth. However, I feel like MoneyGram has treated this whole situation in a way that has left me {$270.00} less of funds and a week of frustrating problem-solving while I was with my family in XXXX. The fact that they never replied and still have my money is concerning and I hope CFPB can help resolve this issue and take steps to prevent it from happening again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: VA

Complaint narrative:
XX/XX/XXXX - initiated a transfer from Chime Banking to my own XXXX XXXX account Will take 5 days per bank, XX/XX/XXXX - Still did not receive payment, called XXXX XXXX to verify, deposit was never made, called Chime to start dispute XX/XX/XXXX- I called Chime about escalation XXXX XXXX Received email saying my claim was denied. 

XXXX XXXX Requested documents stating why my claim was denied, Received an email with document, link did not work XXXX XXXX Called Chime to reopen claim and sent personal bank statements for proof showing no deposit was received. 
Rebuttle documentation received XX/XX/22 XXXX XXXX Another email received stating they received my documents XXXX XXXX Opened another ticket for dispute, supposed to send documents to my home which I have never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23 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: MI

Complaint narrative:
in accordance with the Fair Credit Reporting act, XXXX, Transunion and XXXX has violated my rights. 15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( XXXX ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. ftc report 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