vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX WFDS Date of Inquiry XX/XX/XXXX ALLY FINANCIAL Date of Inquiry XX/XX/XXXX NCCINC/MERCEDES-BENZ O XXXX XXXX XXXX XX/XX/XXXX CAPITAL XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXR : XXXX Date Updated : XX/XX/XXXX 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
Consumer complaint received 2022-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
This complaint relates to Suntrust Bank ( now Truist ), XXXX XXXX Bank ( correspondent bank for XXXX in the XXXX ) and XXXX. On XX/XX/XXXX I visited the XXXX XXXXFlorida office of SunTrust to initiate a wire transfer to XXXX XXXX XXXX XXXX XXXX in the XXXX in payment for a contract with a due date of XX/XX/XXXX. The wire was in the amount of {$12000.00}. The wire was not delivered in a timely manner and I subsequently contacted the company representative who processed the wire. He initiated a trace. My contract was now in jeopardy. Numerous emails later including to the Office of the Chairman ( which has not been responded to to this day! ) the company refunded my fees and contacted the recipient in the XXXX to confirm my having sent the funds. A referral to the supposed XXXX XXXX XXXX resulted in no action taken, I have been promised action that has not materialized, hung up on and ignored by every party at SunTrust with the exception of the gentleman who initiated the wire in XXXX XXXX. I had asked the funds to be returned to my account so that they could be sent though other channels which have subsequently proven to be much more effective and at significantly less cost. This never happened. 

THE FUNDS WERE FINALLY DELIVERED TO THE RECIPIENT ON XX/XX/XXXX! This is fully a month and a half after the wire was sent. I have yet to receive an explanation as to exactly why this occurred from any party. 

I can provide an extensive email string related to my attempts to resolve this matter with the company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Mortgage Research Center, LLC
State: VA

Complaint narrative:
To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. 
By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( S.D. XXXX. XXXX ) I have not initiated any transaction with VETERANS UNITED HOME via XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXXETERANS UNITED HOME via XXXX XXXX XXXX for review or collection. 

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I received a letter from Target company on XX/XX/XXXX at XXXX hours stating I had a Target Credit Card application denied. I call the number on XX/XX/XXXX at XXXX and spoke to an agent. I explained to the agent that I did not apply for an application with their company. We went over some items and the agent said to make a complaint to the Federal Trade Commission ID theft.gov. I tried and was redirected here.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: GreenSky, LLC
State: IN

Complaint narrative:
XX/XX/XXXX I spoke to 2 " supervisors '' at Green Sky and asked for their help regarding not paying the ridiculous interest charges. I offered them {$10000.00} plus what I've already paid & to close the loan. The original loan was less than XXXX and I've already been making monthly payments of over {$350.00} since XX/XX/XXXX which is when the interest started. I was informed the amount if not paid in full would only have interest charges of a couple XXXX now they are including finance charges on top of the interest. I've been in hardship since XX/XX/XXXX when I was hospitalized with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I updated my payment profile online to draft my minimum payment from my new bank account. Somehow the payment profile was updated from auto payment of minimum payment due to statement balance. American Express then attempted to charge my account {$21000.00} rather than my usual {$500.00} minimum payment amount. I immediately called them to get it resolved and was told that there was nothing that they could do and to call my bank. I called my bank and was told I could either pay {$30.00} to place a stop payment or allow the account to overdraft or reject the payment. About a week later American Express attempted to draft my account yet again! I immediately called them to see what was happening and this time was told that the system automatically attempts to draw a rejected payment 3 times and that there is nothing that they can do to stop it. I asked for management was placed on hold then told again that there is nothing that they can do to stop it, never getting transferred to a manager. My bank account is now in limbo while American Express keeps trying to charge me an unauthorized amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: MS

Complaint narrative:
TransUnion is not responding to my disputes nor are they following federal laws regulating them in the Federal Fair Credit Reporting Act ( FCRA ) requiring them to perform an investigation, providing the results and methods of the investigation used. My file has many inaccurate and incorrect information on it, and this credit bureau has failed to respond to these complaints in a timely manner. It has been well over 45 days, so they can not say that they did not have enough time. I am aware of the fact that they are hoping I stop my complaints so they can continue to violate federal law and violate my rights under the FCRA. It should not be okay for an entity like this to be able to freely violate my rights under the FCRA. All of the disputed items in my dispute letter are based on factual information from the credit report, which they furnish.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I made a wire deposit and the sending bank confirmed it went through at XXXXXXXX XXXX  however PNC bank never posted the funds by XXXXXXXX XXXX They never gave me my deposited, wired funds on XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I sent in multiple letters last XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 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: EQUIFAX, INC.
State: AZ

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Inquiries : XXXX XXXX XXXX Date of Inquiry XX/XX/2021 XXXX Date of Inquiry XX/XX/2021 PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: GA

Complaint narrative:
In 2020 I see I received a debit card but I never received the debit card and I put a dispute through trying to get my money and they denied me and I gave every document for them to see I did not receive my money or card my mother just passed abs Im just trying to get back on top of everything but it seems like life takes another direction I cant get into my account or anything and they still denied me and not helping me resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: MS

Complaint narrative:
This credit bureau is not responding to my disputes nor are they following federal laws regulating them in the Federal Fair Credit Reporting Act ( FCRA ) requiring them to perform an investigation, providing the results and methods of the investigation used. My file has many inaccurate and incorrect information on it, and this credit bureau has failed to respond to these complaints in a timely manner. It has been well over 45 days, so they can not say that they did not have enough time. I am aware of the fact that they are hoping I stop my complaints so they can continue to violate federal law and violate my rights under the FCRA. It should not be okay for an entity like this to be able to freely violate my rights under the FCRA. All of the disputed items in my dispute letter are based on factual information from the credit report, which they furnish.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
This credit bureau is not responding to my disputes nor are they following federal laws regulating them in the Federal Fair Credit Reporting Act ( FCRA ) requiring them to perform an investigation, providing the results and methods of the investigation used. My file has many inaccurate and incorrect information on it, and this credit bureau has failed to respond to these complaints in a timely manner. It has been well over 45 days, so they can not say that they did not have enough time. I am aware of the fact that they are hoping I stop my complaints so they can continue to violate federal law and violate my rights under the FCRA. It should not be okay for an entity like this to be able to freely violate my rights under the FCRA. All of the disputed items in my dispute letter are based on factual information from the credit report, which they furnish.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 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: MS

Complaint narrative:
This credit bureau is not responding to my disputes nor are they following federal laws regulating them in the Federal Fair Credit Reporting Act ( FCRA ) requiring them to perform an investigation, providing the results and methods of the investigation used. My file has many inaccurate and incorrect information on it, and this credit bureau has failed to respond to these complaints in a timely manner. It has been well over 45 days, so they can not say that they did not have enough time. I am aware of the fact that they are hoping I stop my complaints so they can continue to violate federal law and violate my rights under the FCRA. It should not be okay for an entity like this to be able to freely violate my rights under the FCRA. All of the disputed items in my dispute letter are based on factual information from the credit report, which they furnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
There are derogatory remarks on my three credit reports as reported by XXXX from XX/XX/XXXX to XX/XX/XXXX. This property was taken by the state of new jersey, court order attached in XXXX and i have a contract signed with XXXX so those months being late is INCORRECT. Yet another mistake that this terrible company refuses to fix. Class action lawsuit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The fair credit reporting act requires all consumer reporting agencies to ensure the fairness, accuracy and privacy of all credit reports containing consumers. I have notified XXXX that there consumer report of me contains fraudulent and inaccurate items.As described in the fair credit reporting act pursuant to 15 USC 1681e ( 4 ), 15 USC 1681 ( A ) 1, 15 USC 1681e ( b ), 15 USC 1681b ( a ) ( 2 ) inaccurate items must be removed .Experian still has not given me a list of names of all my friends, neighbors, and etc they interviewed during there investigative consumer report to determine the inaccurate items were accurate pursuant to 15 USC 1681a ( e ) .The fair credit reporting act says they have 5 days to disclose that information to me pursuant to 15 USC 1681d ( b ) .I have included a different credit report with a different consumer reporting agency to show the inaccuracies contained in Experian consumer reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERISAVE MORTGAGE CORPORATION
State: PA

Complaint narrative:
Late XX/XX/XXXX found out from my township that my XXXX property taxes were not paid and that XXXX XXXX would begin XX/XX/XXXX. Informed Amerisave Mortgage about issue and sent updated tax bills. on XX/XX/XXXX, received a confirmation back via email. Money is clearly available in Escrow account. I have not missed or been late on any mortgage payments. 

XX/XX/XXXX - Called Amerisave Mortgage to follow up. They said they had no record of receiving bills. Again, sent copies and received confirmation back via email. Was told is should be resolved by XX/XX/XXXX and an email would be sent when the issue was resolved. 

XX/XX/XXXX Followed up as taxes still not paid. Elevated to Supervisor, Escalation requested by supervisor. Was told to check back the following week. 

XX/XX/XXXX Followed up as taxes still not paid. Elevated to Supervisor, Escalation requested by supervisor. Will not transfer to Escalation or Tax or Escrow departments. ( no way to contact ) XX/XX/XXXX Followed up as taxes still not paid. Elevated to Supervisor, Escalation requested by supervisor. Will not transfer to Escalation or Tax or Escrow departments. ( no way to contact )

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
We have attempted several times to get information on the following issues : 1. Payoff on the property 2. Cancellation of Escrow 3. Who is the lender or lienholder 4. Remove Second mortgage We had an attorney to do reserch on the second mortgage and it was found that there is not one. Nor is there any paper work to support this. We have been trying to get this matter corrected for over 10 years and still not one will explain how this happened. We want a payoff on the property but for whatever reason we are unable to get it we have reach out by phone and email and we continue to get messages stating that they are working on it. We ask for a cancellation of Escrow we filled out the neccessary forms and submitted them but their reply was we are unable to cancel the Escow because of the second mortgage. We do not have a second mortgage on the property. We also have reserched and found out that the property is in a Trust and we are trying to contact them by email with no response. The Servicer Rushmore did not give us any information about the lien holder we had this researched that is how we found out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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