vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear, CFPB I am writing a Follow-Up Complaint Regarding XXXX 's Lack of Response to Previous Dispute I submitted a complaint regarding an inaccuracy on my XXXX, XXXX and Transunion credit report. On XX/XX/XXXX I submitted complaint XXXX, which has not been addressed adequately by XXXX, XXXX is XX/XX/XXXX and I have yet to receive a response through the CFPB portal as requested. 

The inaccuracy regarding the reporting of my payments remains uncorrected. XXXX 's lack of response and action not only affects my credit standing but also violates the Fair Credit Reporting Act ( FCRA ) requirements to maintain accurate and complete credit information.

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 2024-07-24 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
My CD with Synchrony Bank renewed automatically on XX/XX/XXXX. I received no pre-renewal notice. I received an email notice of renewal on XX/XX/XXXX, AFTER the grace period. I complained twice on the phone to agents. I was told my penalty for missing the grace period by about 7 days would be over {$4000.00}. On XX/XX/XXXX, I sent an email and a letter to Synchrony. I received no reply ( as of XX/XX/XXXX ). 

Unlike XXXX XXXX, Synchrony does not allow the option of NO XXXX XXXX on making a CD investment. Unlike XXXX ( XXXX XXXX ) which allows convenient online option to close on maturity, Synchrony allows only phone instructions to close and only 45 days before renewal. Synchrony only has a 10 day grace period, unlike XXXX, which is 14 days. 

Banks that set up default rollovers also switch the promotional rates, to their benefit. Unprotected consumers suffer. Inattentive CD owners, I suggest, are often elderly savers.

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 2024-07-24 00:00:00
Product: Credit reporting 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: MS

Complaint narrative:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Account XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account XXXX XXXXXXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these four things please delete these accounts from my credit report. Thanks

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I requested my information be updated through a dispute letter through mail, but no results were received. Due to these errors, my account is inaccurate, and I request it be updated immediately.

Under FCRA Section 611, I have the right to dispute inaccurate information and expect the credit bureau ( s ) to conduct a reasonable investigation within 30 days. However, Equifax has failed to fulfill this obligation, thereby infringing upon my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Block, Inc.
State: GA

Complaint narrative:
My account was closed without reason after a {>= $1,000,000} transfer payment. This institution is committing Fraudulenty and criminal activity. My name is XXXX XXXX XXXX My social security number is XXXX My date of birth is XX/XX/year> My card number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XX/XX/year> I ask for a statement so I can pay my bill and so I know how much it is and the collection agency refused all they have to do is provide me a statement

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Cascade CISS Holdings, LLC
State: NJ

Complaint narrative:
I was unaware of the XXXX increase that was on my XXXX report. I had called and sent documentation to XXXX which XXXX failed to remove the XXXXXXXX XXXX, which I file an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Informative Research
State: NJ

Complaint narrative:
I was unaware of the XXXX increase that was on my XXXX report. I had called and sent documentation to XXXX which XXXX failed to remove the XXXX XXXX, which I file an FTC report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: PENNYMAC LOAN SERVICES, LLC.
State: WA

Complaint narrative:
On XX/XX/year>, my mortgage lender, Pennymac, send a payment of {$4100.00} to XXXX XXXX to pay someone else 's insurance policy premium ( # XXXX ) from my escrow account. The premium for my policy ( # XXXX ) had already been paid on XXXX XXXX, XXXX  for the year. My home loan is for a property in XXXX, yet the bill that Pennymac received from XXXX that included my home loan number had a NY condo address and did not include my name. Pennymac doesn't seem to check the bills they receive to even see if the addresses line up before sending payments. 

I've sought to resolve this issue, and the companies say they are working on it, but it has now been nearly two months and I still don't have my {$4100.00} back. Pennymac won't let me close my escrow account because it now has a negative balance so I am stuck. 

This incident has now occurred twice in one year, and I am forced to spend hours on the phone trying to reach real human beings and untangle what happened. I do not trust that this will not happen again, so I will be cancelling my policies with XXXX and closing my escrow account with Pennymac, both companies are mishandling money and have not been quick to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
I have received conflicting information about how my loans are being handled and it is impossible to speak to anyone about the matter. The loan service provider is XXXX and the Department of Education initially communicated that as a result of litigation loans were being placed in temporary forbearance, Contemporaneously, I got a notice from the Department that XXXX would continue to be the loan servicer on my account and to await a notice from XXXX. I had already received a notice in writing from XXXX informing me that my loans would be serviced by a new loan servicer and to await the new loan servicer 's instructions. 

A payment would be due today but I have no way of making the payment online, which is how I've made past payments. I also am unsure as to whether I need to make a payment or not, given the information about the loans being placed on forbearance. I also don't know whether XXXX is going to continue to provide service. XXXX 's platform now tells me it is but it still tells me to wait until I hear that the loan transitioning is finalized. XXXX told/tells me the old account numbers are not effective but I can not make a payment without an account number. 

First, I am ever so grateful that a portion of my loans was forgiven. However, I am concerned about the confusion, the inability to contact anyone, and XXXX 's track record processing payments on the rest of my loans, which in my case has been problematic. They have shown my payments as being " late '' when I pay on the day due. This is a recent development. They also do not give me the option of paying the amount due but always make me go through the loans a payment at a time. I like being able to elect to pay the loans a payment at a time because it allows me to pay extra. However, some times I need to make the payment due. 

I continue to think that the way these loans are structured with interest that increases the principal regardless of how much you pay is unconscionable. I have paid I'm pretty sure the original principal of all the loans- it's just that it keeps growing regardless. 

By the end of the pandemic interest free forbearance I had paid down all the additional interest due. Somehow, the principal has still managed to increase for some of the loans. These loans should be interest free. That's how you support our residents ability to pursue higher education. They shouldn't be seen as a way to make money for anyone. 

The United States has subsidized and come to the help of major moneyed financial institutions and oil companies and other institutions that have failed - these student loans don't represent failure- they represent success for the most part at creating and supporting an educated and informed citizenry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
XXXX of XX/XX/year>- researched on Chase bank website how to submit request to remove escrow from my mortgage account. I mailed the required request in writing to the address provided on Chase Mortgage website : XXXX XXXX XXXX, XXXX, KY XXXX. The letter was returned from the post office as non deliverable. 
I called Chase Mortgage escrow department to ask for a new address and what steps I needed to take to waive the escrow and was told by the representative that My mortgage did not qualify to waive the escrow account because the investor required that there is an escrow account for the life of this loan. I asked for that information in writing, which was sent XX/XX/year> and I received. The letter states : Thank you for your request about your mortgage loan account. 
We can not remove your escrow account. The investor guidelines require an escrow account for your loan. 
If you have questions ... ..... 

Today, XXXX XX/XX/year>, I called Chase bank to follow up. I researched the requirements for XXXX XXXX to allow a mortgage holder to remove their escrow account and found that my account meets all the requirements. I spent 1 hour and 22 minutes talking to two different representatives regarding this issue. The first representative stated that I could not waive the escrow account and when I said that didn't satisfy me he transferred me to what he called the escalation department. I did record the entire conversation with the representative from the escalation because I no longer trust that as the consumer I get accurate information from Chase bank. 
Finally, XXXX XXXX, from the escalation department said he discovered that my loan does meet the requirements to waive the escrow account but I would need to send a letter formally requesting Chase bank to waive the escrow. He also recommended that I inform Chase that my mortgage does in fact meet the requirements to waive escrow, which in my opinion is doing their work for them. 
I was told by XXXX several times that Chase is a very large company. 
I am reporting this to CFPB to inform you that Chase bank employees are either not trained to do their job or are told to give customers erroneous information. Also, the information on their website should be accurate and up to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: MN

Complaint narrative:
Back in XXXX, I had {$1400.00} dollars stolen from me. Chime refused to pay back the money that was stolen from me from a scammer. The scammer pretended to be a chime customer service member. Then when I called chime they said since you willingly gave money to the scammer there is nothing we can do. That's {$1400.00} dollars stolen from me money that should've been paid back by chime. I even made a police report and told chime that I will be looking for a lawyer to get involved. Here it is almost the end of XXXX and still nothing back from chime I saw a story online about this site and now I'm interested in getting chime a piece of my mind from what was stolen from me..

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P.
State: NC

Complaint narrative:
SWC has exceeded the XXXX. This is not my debt. 

I asked for debt validation, I need for you to remit by certified mail the method of verification for this debt. Statement copies are not acceptable. 

What methods did the XXXX use to verify the account? 

What did SWC send to the Credit Bureaus to verify that the account was accurate and how they validated the debt? 

You sent billing statements with the dates of XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX, yet in your response to CFPB you stated this account was sent to you for collection purposes on XX/XX/XXXX .... A copy of a statement is not debt validation. 

Also at the time I had XXXX XXXX XXXX  business class, the bill does not reflect that. Even if the company name changed, it would still be listed as a business class account. 

I also have my contract from my business class account stating the amount to be billed every month as well. 

I have emails with XXXX XXXX, XXXX XXXX XXXXXXXX @ XXXX concerning the billing discrepancy on my account beginning XX/XX/XXXX, ending on XX/XX/XXXX with me cancelling my service due to all the errors on my account, outages, misinformation, promotions being removed from my account, etc .... by XXXX and XXXX. 

How are you sending me statements dated XX/XX/XXXX when I closed the account 2 years prior on XX/XX/XXXX? I have the account closure request email as well esigned by my business account manager at the time, XXXX XXXX. 

My services were changed without a signed contract on XX/XX/XXXX which is a requirement for XXXX XXXX customers which I had in XX/XX/XXXX and I still have my emailed copy of said contract for my records, as it was with XXXX, myself and my employer, XXXX. 

Please cease all collection attempts by any means as this is not a valid debt. 

Please submit documentation to the XXXX 's to have this information removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Hi, I need help resolving an issue with Equifax. I was able to get my report and score updated on there end, but now creditors can't access my credit report. I received an hard inquiry from XXXX. I was approved and was made an offer, but they couldn't finalise it since they access my report. I basically received a hard inquiry for nothing even though I was approved. XXXX said I can still use that inquiry to check my report in 27 more days. I need help unblocking my file to other creditors. You can see there is something going on with the errors that pop up everytime i login to their portal.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Americor Funding, LLC
State: NY

Complaint narrative:
JIn XX/XX/year>, I received a notification from my credit report indicating that a new account had been added by a company named credit9 LLC. Upon contacting them, I was informed that I still had to pay the debt. A few months later, I received another notification from the credit report showing an address ( XXXX XXXX XXXX XXXX NY XXXX ) where I had never lived. I reached out to all three credit bureaus to clarify that I did not reside at that address and that the account linked to credit9 LLC was not mine, likely due to fraudulent activity.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I sincerely urge you to expunge this entry from my credit report as it is not linked to me and is clearly fraudulent. I kindly request a thorough investigation and prompt correction of this inaccuracy in my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Under 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), I am disputing the accuracy of this account and request that it be investigated and corrected or removed. Additionally, under 15 U.S.C. 1681s-2, furnishers of information are required to provide accurate information. If this debt is found to be invalid or unverified, I request its removal from my credit report. Furthermore, I am requesting validation of this debt under 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ). Please provide all necessary documentation to prove that this debt is valid and that I am responsible for it. If you can not provide such documentation, I request that you remove this collection account from my credit report. Please notify me of the outcome of your investigation at your earliest convenience. Thank you for your prompt attention to this matter. The company title is " XXXX XXXX XXXX ''. The balance on my credit report is {$750.00}. The account numbers are ( XXXX ). This collection was opened on XX/XX/XXXX. As of XX/XX/XXXX is when I noticed the collection.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am writing to formally request the removal of several accounts and inquiries from my credit report. These accounts and inquiries are unauthorized and does not belong to me. The presence of data breach has negatively impacted my credit standing, leading to a significant drop in my FICO score.

Upon reviewing my credit report, I discovered multiple accounts and inquiries that I did not recognize or authorize. These inaccurate information in my report have resulted in negative remarks that are adversely affecting my credit score and financial reputation.

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 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
FOR APPROXIMATELY 10-12 MONTHS I HAVE REQUESTED MULTIPLE TIMES FOR XXXX/TRANSUNION TO PROVIDE PROOF OF ACCOUNT DETAILS WITH DOCUMENTATION. I HAVE DISPUTED THE ACCOUNT DETAILS AS IT IS AFFECTING MY CREDIT SCORE AND HISTORY. THE CREDIT AGENCIES ARE NOT FOLLOWING THE LAWS AS THEY CONTINUE TO VIOLATE MY RIGHTS UNDER FCRA. THEY HAVE MADE MULTIPLE CHANGES WHICH ALL HAVE BEEN INACCURATE, THEREFORE THIS ACCOUNT MUST BE REMOVED ALTOGETHER. 

XXXX XXXX XXXX XXXX {$5000.00} XXXX XXXX XXXX XXXX {$5000.00} DUPLICATE ACCOUNT AND I DO NOT HAVE ACCOUNTS WITH CREDITOR

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 2024-07-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MN

Complaint narrative:
May XXXX XXXX XXXX  I transferred money into my chime account XXXX and was scammed out of a house and the XXXX and I complained to chime they said that they seen no fraud i filled a police report and sent it to chime and they denied my claim 4 times and even closed my chime account and refused to tell me why they won't even answer my calls anymore I even got a hold of the bank they go through and i submitted all information to them and it was still denied

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am requesting the removal of the late payment currently reflected in my credit report. This late payment record is negatively impacting my credit standing, and I believe it should be removed due to the circumstances explained below.

Company response to consumer: Closed with non-monetary relief