vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-15 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:
I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed and verified, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX XXXX. I've never had an account with this company. The balance that is reporting on my credit report is not the correct balance that I have with the original creditor. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report. I have attached a screenshot of my credit report where it was updated stating that it was verified yet no sufficient documentation has been sent to me. It has been well over 60 days. Please remove this from my credit report.

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 2022-08-15 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am having trouble believing that an investigation was done regarding an account I disputed with the credit bureaus. There was a personal statement on my credit report acknowledging that the account was disputed and verified, but I have yet to receive anything validating this account. The account that I am requesting to be deleted is XXXX XXXX XXXX. I've never had an account with this company. The balance that is reporting on my credit report is not the correct balance that I have with the original creditor. I am demanding the removal of this account until further investigation is done. Please provide the original contract where it includes XXXX XXXX XXXX as the company to remit payment to. Also inform me of the amount of which the debt was purchased. If you can not provide this information, please remove this permanently from my credit report. I have attached a screenshot of my credit report where it was updated stating that it was verified yet no sufficient documentation has been sent to me. It has been well over 60 days. Please remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southwest Credit Systems, L.P.
State: TX

Complaint narrative:
SOUTH WEST CREDIT IS FRAUDLENTLY TRYING TO COLLECT A DEBT WHICH HAS BEEN DELETED FROM MY CREDIT YEARS AGO AND THEY ARE NOT EVEN LEGALLY AUTHORISED TO COLLECT THE BEBT NIETHER REPORT TO THE CREDIT IN AN EFFORT TO DAMAGE MY CREDIT Creditor Information SOUTHWEST CREDIT XXXX XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I received a letter stating they didnt have my flood insurance. I sent it in. They said it was never received. I resent it. I then received a letter from Truist stating they received it and updated my account and my coverage was fine. I now received a letter stating they are going to force place insurance on my account. This is unacceptable.

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 2022-08-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: LA

Complaint narrative:
We refinanced a home on XX/XX/XXXX. At the time of refinance XXXX was taken as lender reserve for the first 3 months of payments. Our loan was transferred to Specialized Loan Servicing LLC. We sold this property on XX/XX/XXXX ( prior to the first payment being due ). The XXXX was not credited back to us on the payoff statement. When I called Specialized Loan Servicing I was told this would delay if a new payoff request was performed and that the money would be mailed to me. I never received the check. When I call back 10 days after close I was told the check was in the mail. Then I received a check for XXXX. When I called back the third time I was told that the company never received the XXXX. After continuing to press the company that this was inaccurate I was told that I was charged for those three future payments ( meaning I was charged for future interest and my principle amount wasn't reduced ). I can provide all closing, loan documentation. Each call to this company takes over an hour with multiple people unfamiliar transferring calls to new people.

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX has violated my rights to privacy. They have also furnished my credit report and personal information with out my consent. Most of this information is false that has been provided to outside sources.

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 2022-08-15 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: FL

Complaint narrative:
XXXX has violated my rights to privacy. They have also furnished my credit report and personal information with out my consent. Most of this information is false that has been provided to outside sources.

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 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FISERV FINXACT CORE
State: AR

Complaint narrative:
Our corporate checking account, which has been set up on auto-pay for several years, started being rejected in XXXX of XXXX. After several months of our vendor blaming our bank, they finally told me last week that Telecheck is declining our checks and advised me to call them to find out why. I called Telecheck on XX/XX/XXXX and was told that : our " checks '' were declined because they had not handled checks from us before ; then when I listed dates that they had been accepted, our checks were declined because they were a different amount than before and did not fall within the guidelines set by Telecheck. The representative then assured me that she had " fixed '' whatever their information is for us so that our payments would stop being declined. On XX/XX/XXXX, we had another payment declined. Today, on XX/XX/XXXX, when I called Telecheck again another representative told me that it was probably because it hadn't been 72 hours so I should try again today ; and our payment was rejected again. The vendor that we are trying to pay is charging us {$30.00} every time our echecks are declined. Furthermore, the last representative that I spoke with from Telecheck transferred me to a debt collection company when I asked to speak to someone who could actually fix whatever the issue is. At this point we have had payments accepted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, then declined XX/XX/XXXX, accepted XX/XX/XXXX and XX/XX/XXXX, then declined XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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: FL

Complaint narrative:
Equifax has violated my rights to privacy. They have also furnished my credit report and personal information with out my consent. Most of this information is false that has been provided to outside sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Erroneous credit score from all three credit bureaus, impacting ability to obtain credit, etc.

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Erroneous credit score from all three credit bureaus, impacting ability to obtain credit, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: IL

Complaint narrative:
On XX/XX/XXXX I called Discover Card to dispute a {$11.00} charge on ( XX/XX/XXXX ) XXXX for the item I purchased on XXXX but the item never arrived. The seller refused to communicate. 
After dialing the number I got an automated system which demanded the amount, date and the item and after providing me with this info I was put on over 10 min hold in order to get to the CSR. I was then told that this is not a right dept and I was told that despite inputting the dispute info into the system, the system is designed to be first routed to a regular customer service to first and foremost vet the disputes ( ie, make it hard to go forward ). Subsequently I requested to speak with the supervisor but was then told that none is available. I was then directed to the billing dept which again decided not to process the dispute so I requested to speak to the supervisor. The CSR transferred me to the supervisor line ( while I was holding ) and the automated system was giving automated instructions to the CSR agent how to handle the call. At the 29 min the call was disconnected without me speaking to the supervisor or finalizing the dispute. 
It is obvious that Discover is not willing/unable to process the transaction disputes for a valid reason such as non receipt of the item while involving customers in a long and protracted system meant on wasting customer time. Under the legal framework Discover is obligated to execute a dispute, pure and simple and do so within a reasonable amount of time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
XXXX XXXX XXXX is reporting that I owe {$3500.00} to Citibank. I called Citibank, who I never had an account with and tried to find out what was going on. Citibank checked their system using my SSN and verified that I have never had any accounts or credit cards with them, and that I don't owe them anything. Citibank said that they can not send me anything proving this information because I do not have an account with them. I tried writing a letter to Citibank as they requested, and there telling me that the letters have not been received. I called XXXX to figure out what I needed to do, and they told me to contact you. Please Help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX Acct # XXXX have 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, also states a consumer reporting agency can not furnish account details without my written instructions. I have not given any such 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 2022-08-15 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/2022 my landlord initiated a money transfer to refund my security deposit in the amount of {$3800.00}. From BoA to XXXX. By mistake I provided incorrect ( last four digits in the wrong order ) account number. As a result the funds went to a wrong person in my bank. The sender made a request with BoA to resolve it and after almost 30 days of investigation Bank of America declined the claim without even contacting my bank. I made number of claims with my bank ( XXXX ) and every time I was told that in order to resolve it, BoA must contact XXXX and request a recall. In this case XXXX will follow a guideline to resolve it. It seems like this is the only way, but for some reason BoA wouldn't contact XXXX. I attached the letter from XXXX where they say that BoA must send a recall request to XXXX. Mistakes happen, but there should be a way to resolve this, to help your 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 2022-08-15 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
At this point I do not know who to trust. People call claiming to be-representatives from the creditors saying they want to help.that I owe by way of Fraud and the problem does not go away. 
My account have been charged XXXX, trips, apartments, dinners and I am on a fixed income and have not left the state of Georgia in years. I have worked hard all my life to pay my bills and someone has stolen my identity. Its is saddened me and is a great worry.

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 2022-08-15 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IN

Complaint narrative:
This complaint is long overdue. I lost a home to foreclosure with Ocwen Mortgage Services. Home was purchased in XXXX using a VA loan benefit. Ocwen acquired the loan shortly after. In XXXX I suffered a work-related injury that had me off work for over 5 months, the majority of which was unpaid. Ocwen would not work with through this time. They would refer me to assistance programs and every time I sent the aid packages ( by mail and fax ) they would claim to never receive them and send me another package to fill out. Every financial aid request was dealt with in similar manner. This happened on at least 5 occasions. Ocwen would not negotiate any restructuring of payments, refused partial payments, failed to honor XXXX  gap protections that were part of my original mortgage loan, and after 3 missed payments they blocked me from online payment access, phone payment access, and wouldn't cash checks sent by mail. When I would try to call Ocwen reps would tell me I had to pay the full delinquent amount to be able to re-establish payment. I was not able to do that as I had only received 45 days of worker 's compensation from my employer at 80 % of base pay. I believe Ocwen acted in disregard of consumer protections and failed to consider or respond to financial aid benefits that were supposed to be available to borrowers during that time. They acted with callous disregard for my hardship, failed to honor XXXX protections that were present in the original loan, and refused to work with me on partial payments or any type of restructuring of the loan. Is there any recourse against Ocwen or their parent company? Have there been any class action settlements that I may have missed because I was basically transient after losing the home and had no firm address as a point of contact to receive information of this kind? This foreclosure also caused me the loss of my VA home loan benefit in the amount of {$39000.00} that I have never been able to repay. It seems obvious that Ocwen acted in a manner to intentionally force foreclosure despite all my efforts to try to work with them on a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: EAST WEST BANK
State: MI

Complaint narrative:
My account with East West Bank was closed in XXXX. I have XXXX $ remaining balance they said they will mail a check to me. However I have never received it. They claimed they already mailed it but can not provide any proof of shipment. I asked them to mail the check again. They refused to do it. The account was closed in XXXX. Now its XXXX already. I still havent received the XXXX $ from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
On XX/XX/2022, I sent a letter to XXXX to investigate accounts that are being reported inaccurately on my report. I received a letter from them dated XX/XX/2022 stating that they take my privacy seriously and I needed to send proof of identity ; which I did on XX/XX/2022 and gave them the 15 days to complete the investigation. I then received another letter from them dated XX/XX/2022 stating the same thing, requesting proof of identity AFTER I provided it to them. On XX/XX/2022, I sent them a letter and provided them with the requested documents and gave them 15 days to complete the investigation. And as of XX/XX/2022, they still have not responded and they continued to report this inaccurate information on my report. 
I demand that they delete this inaccurate account on my report immediately. 

XXXX XXXX XXXX  Account No : XXXX Reported Balance : {$890.00}

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 2022-08-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Southwest Credit Systems, L.P.
State: OH

Complaint narrative:
Southwest Credit Systems keeps removing account from credit report and then turn around and repost it with a new and more recent " Account Open '' date. This is an unfair and deceitful practice that is used in an effort to cause unfair credit impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: TRUIST FINANCIAL CORPORATION
State: IN

Complaint narrative:
I opened an account on XX/XX/2022 and within one day was unable to login. I was told " Your user ID or password is not recognized. Please try again. '' So I tried to reset password and Forget userID but both methods told me " One or more pieces of information entered does not match our records. Please try again. '' after I entered my information ( SSN and name ). 
I tried to register another userID using the same information and was finally able to login to the online account. But this is not the end of story. 

I found I was not able to withdraw or deposit money to my account, and less than a week from I opened my account, I recieved a letter in my mail telling me the account has been closed on XX/XX/2022, yes, the same day I opened it! 

However, I have been able to login my online account ( using the new userID of course ) and see my account number and recieving statement emails all the time. But I was not able to transfer any money from my account. I tried XXXX but told me I have to have an account open to use XXXX. 

The biggest XXXX is that I find today I have been charged monthly fees every month. The initial deposit of {$50.00} has been all the way charged and now my balance is even below 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 explanation
Consumer complaint received 2022-08-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
Someone stole my identity a long time ago opened a few accounts which went to collections. The account XXXX XXXX XXXX isnt mine nor do I know who it is. 

The last four of my SSN is XXXX.

Company response to consumer: Closed with explanation