vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Global Credit Union
State: AZ

Complaint narrative:
I was attempting to sell my XXXX XXXX XXXX to a private buyer that I met on XXXX. My car was listed for $ XXXX. The buyer sent me a check for {$33000.00}. He told me that the extra money was for a courier to pick up the car and take it out of state. On XX/XX/XXXX, I deposited the check and informed the bank, Alaska USA, that I deposited a check to satisfy the lien. I was informed that same day that the check cleared. I then called back the next day, XXXX hours, XX/XX/XXXX to verify the check did indeed clear. I was told that check DID in fact clear. I then proceeded to communicate with the buyer that he was the new owner of the car and asked how he wanted to proceed with the transfer of ownership. The buyer asked me to send him {$3600.00} via XXXX to pay for the courier. I sent 4 installments from my personal checking account - ( XXXX. XX/XX/XXXX - {$950.00} ; XXXX. XX/XX/XXXX - {$950.00} ; XXXX. XX/XX/XXXX - {$850.00} ; XX/XX/XXXX - {$900.00} ) thinking I would receive a check from the bank ( essentially reimbursed ) in a few days because I paid over the lien amount. In Arizona, to complete a private auto sale, a Bill of Sale must be completed. When asking the buyer to send me his information to complete the paperwork, communication became very spotty and I became suspicious. On XX/XX/XXXX, I called Alaska USA and asked them the status of the check that was deposited. I was then informed that the check was fraudulent. I asked the bank when anyone planned on telling me and the person said they would mail back the check several days later. Had I not called on XX/XX/XXXX, I would have never known the check was fraudulent. Further, and more importantly, I was scammed out of {$3600.00} all because I was given bad information from the bank saying that the check cleared. All this could've been avoided if I was given the correct information and promptly informed when the bank realized the check was fraudulent. I have filed a police report with the local authorities

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Transunion refuses to update my name correctly to XXXX XXXX ( after receiving my SSN card and Drivers License for verification multiple times ), they are also allowing old creditors to place accounts that are well beyond the statute of limitations on my credit report causing negative impact to my credit. 

They have a completely incorrect credit report with accounts that should not be there and have been reported numerous times as fraud, as I was involved in an XXXX XXXX XXXX XXXX, and XXXX Leak. I also have a police report for identity theft all of which has been provided to them and still NO RELIEF! 

Please see the documentation of the creditor they are allowing to still report as of XXXX, from XXXX! Thats almost 10 years!!!! This is years of erroneous reporting that trans union is liable for since it is their job to remove old, dated entries such as this.

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 2022-11-09 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: CA

Complaint narrative:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and Transunion credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX... Balance : {$2400.00}

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 2022-11-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CO

Complaint narrative:
Amerihome Mortgage  acknowledged they made a mistake and combined both our loans ( one is our primary home and one is a rental ) in XXXX of 2022. They also acknowledged they switched the loan numbers and failed to pay taxes on both properties. They also contacted the insurance companies and asked them to update the loan number attached to the address to the WRONG address. They acknowledged all these mistakes and more HOWEVER, it is XX/XX/2022 and these problems have not been rectified. HOW LONG DOES IT TAKE TO ASSOCIATE THE ADDRESS WITH THE CORRECT LOAN NUMBER AND PARCEL NUMBERS? HOW LONG DOES IT TAKE TO DO AN ESCROW ANALYSIS TO INSURE THE HOMEOWNER DOESNT HAVE ANY MORE MONEY STOLEN FROM THEIR ESCROW ACCOUNTS DUE TO AN INTERNAL PROCESSING ERROR BY AMERIHOME?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Experian Information Solutions Inc.
State: WV

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 6 months to no available. I have been disputing this/these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/ XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-09 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: CA

Complaint narrative:
I want to inform you again I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any items listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; XXXX XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: DISCOVER BANK
State: KS

Complaint narrative:
this is about the inaccuracy that is reporting to XXXX, XXXX and XXXX there are serval ideas on my profile that are not accurate or does not show the same information this is the reason I know this is not violate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: XOOM CORPORATION
State: PA

Complaint narrative:
Hi I was trying to use xoom ( https : //www.xoom.comXXXX  ), A XXXX affiliate company to send money to XXXX. They collected all the information and then cancelled my transaction. They asked me to provide the ID Proof ( Drivers License ) and Bank Statement ( Which I did provided ). 

Date of Transaction : XX/XX/2022 Date of Document uploaded : XX/XX/2022 Date of email received about failure to receive the documentation : XX/XX/2022 However I recieved an email that they can not complete the verification. 
When I called customer service on XX/XX/2022 at XXXX XXXX EST, the customer agent told me that my statement is ending on XX/XX/2022 and they need the recent activity showing my current balance from the bank website and I will receive an email with instructions on how to provide this information. 

However I never received an email. When I contacted customer service again and asked for supervisor, he told me that they only accept Montly bank statements and will not accept my latest activity downloaded from bank as valid proof and I can only upload my next bank statement on XX/XX/XXXX and therefore they are cancelling the transaction. 

This was not what I was told on phone and despite me having sufficient money and ability to demonstrate that, they refused to process my transaction. In the process I lost money due to exchange rate fluctuation. 

I tried to reach out to both xoom and XXXX  and they told me they have no complaint departments for these type of complaints. 

My request is they disclose their policies clearly on type of document they are collecting for verification and specify that bank statement is the only one acceptable to demonstrate the balance so that consumers can make informed decision. Also the information provided by multiple xoom agent was misleading and caused additional delay for me to find alternate service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/XXXX I sent a letter to XXXX, XXXX, and Equifax asking them to verify several accounts and unauthorized inquiries on my credit report by providing an original contract or other document with my signature that would prove ownership of the accounts. I requested that if they could not verify those accounts with a signed document, that they should remove them from my credit report immediately. It has been 30 days and I have not received any correspondence in relation to my letters indicating that an investigation has begun or that the accounts have been verified. I sent another letter on XX/XX/XXXX informing them that I had not received a response and that I required a response immediately. Their reporting of unverified reports is hurting my ability as a consumer to qualify for certain credit and housing applications. I have attached the aforementioned letters for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: MO

Complaint narrative:
I sent Equifax a bankruptcy letter, Dispute letter, and XXXX XXXX stating the reporting on my credit profile was incorrect, which was sent in support of that. I sent it by certified mail on XXXX XXXX and it was signed and received by XXXX XXXX. I called the customer service line and spoke with a gentleman who gave me a very hard time that stated he had the documents but would not adhere to them. He stated I needed a deletion letter from XXXX, which inform me they never heard of such and that the consumer report given to me by XXXX was indeed the document needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: CITIBANK, N.A.
State: GA

Complaint narrative:
I was a victim of credit card fraud where several charges were made on my account shortly after receiving a Citi bank custom cash card. From XX/XX/XXXX to XXXX. I contacted citi bank on XXXX yet still fraudulently transactions continued on my account I called citi bank fraud department immediately the following day to report the fraudulently transactions. They told me that the charges were marked as fraud and would be removed from my next billing statement. Citi bank issued me a new card yet the charges still appear on my account. So I called the citi bank fraud department again and got the exact response saying the fraudulently transactions are marked as fraud and are under investigation. This was in XXXX. I've repeatedly called Citi bank once a month 4 times in the past four billing cycles and they have given me the same response explaining that the charges are marked as fraud and under investigation. They have continously given me the run around and citi bank has not resolved the fraud case. I no longer have trust in using Citi credit accounts or banking with them in the future unless this issue is resolved. I would like to have the consumer financial protection bureau help assist in getting this fraudulently transactions removed from my credit card account.

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 monetary relief
Consumer complaint received 2022-11-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Credit International Corporation
State: GA

Complaint narrative:
XXXX is attempting to collect funds for Valuations services not provided or requested- see below. XXXX XXXX, XXXX responded to the false allegation on XX/XX/2022, and requested supporting documentation of XXXX XXXX ( Appraisal ) not provided to XXXX XXXX XXXX 

" We attempted to withdraw the {$5000.00} your business owes on its XXXX XXXX XXXX account but were unsuccessful. So we added a Returned Item fee of {$25.00} to the balance owed. The new total owed is {$5000.00} and due immediately.

If youve already sent a payment, you can ignore this notice. 

How your business can pay Call us at XXXX to pay over the phone by credit card or check. If you have any questions, you can also chat with us. 

Or Click Here to upload a completed payment coupon using our secure portal. 
If your business can't pay the full amount, call or chat with us to talk about all your options. 

You can also get help managing your business 's XXXX XXXX Payments account in our Merchant Service Center. 

Thanks, The XXXX XXXX XXXX XXXX account : XXXX Business name : XXXX XXXX, XXXX Case number : XXXX ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: CA

Complaint narrative:
I sent a letter on XX/XX/XXXX, to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaints # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The credit reporting agency and the collection account is in violation. I have not received a response from the company states that I owe a debt that I do not the credit bureau has not removed the account off of my credit report. It has been over four months they are the only credit bureau that has this account in error on my credit report Q u e s t i o n s / C o m m e nt s : In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 Account # XXXX  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.

15 U.S.C 1682 Section 805 A States a debt collection may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer 15 USC 1962 Section 805 A Section 3 States at the consumer 's place of employment if the debt collector knowns or has reason to know that the consumer 's employer prohibits the consumer from receiving such communication.

15 USC 1692 Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse or harass any person at the called number. _______________________________________________

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 2022-11-09 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: CA

Complaint narrative:
Credit Bureaus are obliged to confirm the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account saying that the information they gave is precise, in which I seriously disagree. Under Section XXXX, restrictions on investigative consumer reports [ XXXXXXXX XXXX XXXX ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the XXXX period preceding the date the subsequent report is furnished. I need the account corrected XXXX : XXXX XXXX XXXX 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