vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-16 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: TX

Complaint narrative:
Hello, Ive submitted several disputes as well as info needed to confirm that the creditor XXXX  XXXX  XXXX XXXX  XXXX  on my credit profile hasnt been fully verified and validated as accurate. I have been a victim of identity theft and have been trying to clean up all errors and fraudulent activity on All three credit bureaus have received the same information as of XX/XX/21 Transunion has taken the necessary steps of deleting the fraudulent and erroneous information. XXXX and XXXX are the two bureaus that are making this difficult and arent lifting a finger outside of their electronic system to confirm the validity of the information being reported by XXXX XXXX {$500.00} on my reports. Nationwide collections on behalf of XXXX XXXX {$450.00}, As well as an erroneous bankruptcy that is being reported. They have failed to fully verify the information and remove. 

They hide behind their electronic systems and they need to actually work on behalf of the consumer who files the disputes and assist them with correcting the errors. We work hard to assure we have a strong credit history and should be safe guarded from these mistakes.

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 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I checked my report and this account is on it which I have no knowledge of.

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 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On or about XX/XX/XXXX, I XXXX XXXX went to the Citibank branch on XXXX XXXX in XXXX, New York to check on the community based account that was set up for donations to help families from Mali that have lost a loved one. I got suspicious that something was wrong with the account when a member indicated that the bank teller would not take their donation as the account no longer existed. 

While at the bank on that day I spoke to a teller named XXXX who attempted to help me. I was told that the account was nonexistent. I was confused and requested an investigation. On XX/XX/XXXX I then received communication from Citibank that they could not locate the account. The account number is XXXX. 

I have gone to the branch several times to have this resolved to no avail. I have made numerous calls and visits and Citibank refuses to help me as they indicate the account was closed 2 years ago. 

On or about XX/XX/XXXX I was given a print out that they indicated showed that the check was cashed. By whom or where is not known. My members are furious and think that I stole their money which is not the case. The amount of {$10000.00} has been stolen, and Citibank is responsible for this loss.

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 2021-11-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: CO

Complaint narrative:
Refund Request To whom it may concern, I closed on my refinance on XXXX the funds to payoff Lakeview were wired and received on XXXX. Please see the attached confirmation from XXXX XXXX to confirm when the wire was received. The XXXX payment was included in the payoff on XXXX that you received. I received a letter from Lakeview stating that I needed to make a payment or Lakeview would report to my credit. Therefore, on XXXX I made the payment. After speaking to my current lender, they advised that I did not need to make that payment as it was in the payoff that they sent to Lakeview on XXXX. With this being said, I need for you to send me my full payment I sent in error on XXXX. 

I was told by a representative, XXXX, that I needed to write a letter and also include the proof that you had the wire 2 full business days prior to XX/XX/XXXX and therefore you would not need any additional funds from me. XXXX, also stated that Lakeview did not receive the payoff until XXXX, this is inaccurate as you can see with this attachment. I am NOT responsible for the delay in which XXXX XXXX receives funds and then moves it over to the payoff department. This is something that your company will need to handle on your side. 

I expect a full refund for what was paid in XXXX as my overpayment. 

I have a Ledger Report showing it was paid on XX/XX/2021 which is 2 days prior to the end of month. I can show proof at a later time as there is to much private information on it to share here.

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 2021-11-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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:
XX/XX/XXXX, I paid off the remaining balance on my fouXXXX XXXX XXXX XXXX XXXX accounts with XXXX XXXX XXXX XXXX XXXX ) totaling {$2200.00}. In XX/XX/XXXX, my FICO score was XXXX and XXXX in XX/XX/XXXX. By the second week of XX/XX/XXXX, my FICO credit score dropped 133 points from XXXX to XXXX. In addition to the negative scores, my online credit information from XXXX and XXXX XXXXXXXX XXXX indicated the factors damaging my credit were : Serious delinquency Presence of serious delinquency on one or more accounts TransUnion and XXXX to remove and correct all inaccurate information and any references to the negative reporting of Adverse or Negative and Maximum Delinquency of 60 days and NOT_MORE_THAN_THREE_ PAYMENTS_ PAST_DUE on all 4 XXXX XXXX XXXX tradelines from my credit file. The negative reporting on all 4 XXXX student loan tradelines are incorrect for several reasons : a. Existing information on XXXX website ( Loan Details ) cites 0 Days Delinquent during term of student loan repayment. 
b. The OK/Current payments recorded in TransUnion and XXXX Tradeline Payment History XXXX XXXX XXXX 0 Days Delinquent information indicated in the Loan Details from XXXX website XXXX 
XXXX XXXX XXXX Summary Details for Account Status , labels all XXXX XXXX tradelines as being NOT_MORE_THAN_THREE_PAYMENTS_PAST_DUE, and TransUnion of 60 Days Past Due Date XX/XX/XXXX, contradicts the OK/Current data recorded in the Tradeline Payment History chart sections for both credit reporting agencies. 
d. In the XXXX and TransUnion XXXX XXXX XXXX XXXX, the XX/XX/XXXX ratings section is omitted ( this is the month the loan was paid and closed ) and instead the Tradeline Payment history chart ends XXXX XXXX is marked with OK payments for XX/XX/XXXX and ALL months prior. 
e. My account can not be 60 or 30 days ( both less than XXXX payments ) past due in XX/XX/XXXX when the prior months of XX/XX/XXXX and XX/XX/XXXX are deemed OK/Current ( Due date on XXXX accounts were the XXXX of every month ( there are only 30 days between XX/XX/XXXX, and XX/XX/XXXX ). 
TransUnion and XXXX should have immediately flagged the errors and inconsistencies by requesting XXXX to validate or provide the correct data before incorrect or false information is added to my credit file. My credit has been irrevocably damaged causing me great harm. With poor scores and negative information in my file, for the next XXXX years or XXXX I will be unable to secure credit, a lower interest rate, any additional lines of credit, a mortgage for a home, or obtain an auto loan. On XX/XX/XXXX, I was already denied a loan from a company with whom I previously had a line of credit which I paid-off in XXXX of 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 2021-11-16 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
On XX/XX/2021 I sent Equifax my dispute. According to the certified mail confirmation, the company received the dispute on XX/XX/2021 at XXXX XXXX. It is currently XX/XX/2021 and Ive yet to hear back from the company. The FCRA gives the company 30 days to respond. Its been over six weeks since I sent my dispute, so they are well over there required 30 days. I think you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: TX

Complaint narrative:
On XX/XX/XXXX, I noticed a drastic decline in my credit score. Upon thoroughly reviewing my EQUIFAX report, I noticed an account with XXXX XXXX reporting completely inaccurate balance information. 

The balance on the loan with XXXX XXXX is at {$0.00}. However, XXXX is currently reporting the balance as {$38000.00}. 

This reporting error has caused major damages to my fico score ( 40 point drop ) due to the direct effect to my utilization. 

I sent a letter in XX/XX/21 requesting this error be updated upon receiving the notice of this error. 

That letter was certified and is recorded as being received by XX/XX/21. 

As of today, XX/XX/21, this error is still being reporting as it previously was on on my profile ... in ERROR.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: Synovus Bank
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MN XXXX XXXX XXXX XXXX total amount was {$150.00} and now {$57.00}. 
This account was opened on XX/XX/XXXX. 4 years and 10 months ago. I have no knowledge of this account. I have not paid on this account because I was not aware that it existed until I checked my credit profile. I have not received any billing statements from this account in mail or email. The account does not belong to me. I have requested a numerous of ID criteria, proof of verification from the company and all three credit bureaus ( XXXX, XXXX and XXXX ) and have been denied all adequate documentation. The account is closed but yet is still being reported as a delinquent account payment, which is causing harm to my credit and XX/XX/XXXX score, preventing me from getting approved for other financing. I have disputed this account repeatedly for 1year. The company refuses to show any documentation that the account verifiably belongs to me and I know they can not because it does not belong to me. This account is a fraudulent account and I asked the company to remove it on several occasions along with the all three credit bureaus. I have filed a local police report and filed a complaint with all three credit bureaus and placed fraud alerts on all accounts. This is causing harm to me psychologically, mental and emotionally this is causing stress and unsettlements financially. Because of all the fraud alerts it now makes it harder to get any financing, on XX/XX/XXXX XX/XX/XXXX, car, and housing. This is too stressful for {$57.00} that does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
On XX/XX/2021 I sent Experian my dispute. According to the certified mail confirmation, the company received the dispute on XX/XX/2021 at XXXX XXXX. It is currently XX/XX/2021 and Ive yet to hear back from the company. The FCRA gives the company 30 days to respond. Its been over six weeks since I sent my dispute, so they are well over there required 30 days. I thank you in advance for your assistance.

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 2021-11-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I checked my report and saw this account on in that I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am XXXX XXXX, consumer, natural person, and original creditor of an open-end-credit plan, was denied my right of credit by Navy federal Bank. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by Navy Federal Bank via mail and by email. According to 15 USC 1602 definitions of the Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by Navy Federal Bank 's adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). Navy Federal Bank is now civilly liable to pay me for the damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 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: LA

Complaint narrative:
I, XXXX XXXX am submitting this on my behalf and no third party is involved. 

I, XXXX XXXX has noticed that Transunion has reported an adverse account on my consumer report. I have a right to privacy and have not given Transunion direct consent to report such account on my consumer report. Transunion has violated my rights pursuant 15 usc 1681b ( 2 ). An identity theft report was filed and proper documentation has been given for identification.12 cfr 1022 regulates the credit reporting agencies. By law, these agencies must follow the code of regulations in which Transunion has not. The adverse account under investigation should have been deleted in 4 days and was not pursuant federal law. Show me validation and proof the account is valid in your response. I will not comply and accept any further objections to my request. No consent has been given to your credit reporting agency.

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 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Navy Federal mailed out my Visa Platinum card and either it was lost in the mail or they had mailed it to the wrong address, I did not receive the card and fraudulent transactions were made on the card by some unscrupulous person in the amount of XX/XX/2021 {$3200.00} XXXX XXXX XX/XX/2021 {$1000.00} XXXX XXXX XXXX I contacted Navy Federal Credit Union and they refused to do a adequate fraud claim. I called both companies my card was fraudulently charged at and they agreed to refund the money if they receive contact from Navy Federal Credit Union but instead they disrespect me and hang up the phone on me when I call and saying I have to pay the fraudulent claim. It is terrible over there. The credit union misled me about its debt collection practices and also unfairly froze customers out of their own accounts without adequate warning, affecting me and also canceled my Visa signature rewards card without me knowing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
hi Transunion has a 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 XXXX. Transunion has me at a score around XXXX. That is a huge difference. experian 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 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 accounts 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 10 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 XXXX n  cant provide to my two year old daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-11-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Chime Financial Inc
State: GA

Complaint narrative:
Hello Good Afternoon, This is XXXX XXXX I currently have an account with Chime. My account has been placed on hold for suspicious activity. This has caused a major inconvenience for me. Can something be done about this? I have submitted all required documents to get the hold uplifted more than once. Ive emailed multiples times with no response. This is my only financial institution at the time. I need to access my money ASAP. Please advise Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
We have attempted on numerous occasions to resolve the business account that we have with Chase XXXX. I am XXXX with numerous XXXX XXXX, I am over XXXX XXXX XXXX and am in XXXX and not able to travel. I appointed XXXX XXXX to be my XXXX XXXX XXXX with the necessary documents legally notarized. Chase XXXX refuses to accept the P.O. unless I go personally to the bank which is impossible. I would very much appreciate if you could assist us in this vital situation.

Company response to consumer: Closed with explanation