vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After carefully reviewing my credit report. I learned Experian and XXXX were purposely continuing to report inaccurate inaccurate information on my credit profile. I have disputed the inaccuracies numerous of times and both credit reporting agencies lied and said that this world finance account met FCRA requirements. This is clearly untrue. I have attached a screenshot of my credit report to this complaint. I found XXXX inaccuracies on this world finance account. The FCRA requires the credit reporting agencies to report everything the same across the board on an account. I have proof that Experian and XXXX is failing to comply with FCRA laws. XXXX is reporting date opened XX/XX/XXXX, balance {$630.00}, past due XXXX, payments Status collection/charge off, last reported XX/XX/XXXX, comments - collection account placed for collection, date last active XX/XX/XXXX. Experian is reporting date opened XX/XX/XXXX, balance {$0.00}, past due {$0.00}, payment status- wage earner plan, last reported XX/XX/XXXX, comments- debt included in or discharged through bankruptcy chapter 13, and date last active XXXX, all this is verrrrryyyy different information which is inaccurate information and is not the same across the board. If this matter is not resolved I will seek legal counsel. I am also demanding Experian and XXXX to pay me XXXX for everyday that this inaccurate sits on credit profile. This account has caused me to get denied for credit on several occasion and the condescending account information between the bureaus are defaming my charter.

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 2022-01-23 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: TX

Complaint narrative:
After carefully reviewing my credit report. I learned XXXX and XXXX were purposely continuing to report inaccurate inaccurate information on my credit profile. I have disputed the inaccuracies numerous of times and both credit reporting agencies lied and said that this world finance account met FCRA requirements. This is clearly untrue. I have attached a screenshot of my credit report to this complaint. I found XXXX inaccuracies on this world finance account. The FCRA requires the credit reporting agencies to report everything the same across the board on an account. I have proof that XXXX and XXXX is failing to comply with FCRA laws. Transunion is reporting date opened XX/XX/XXXX, balance {$630.00}, past due XXXX, payments Status collection/charge off, last reported XX/XX/XXXX, comments - collection account placed for collection, date last active XX/XX/XXXX. XXXX is reporting date opened XX/XX/XXXX, balance {$0.00}, past due {$0.00}, payment status- wage earner plan, last reported XX/XX/XXXX, comments- debt included in or discharged through bankruptcy chapter 13, and date last active XXXX, all this is verrrrryyyy different information which is inaccurate information and is not the same across the board. If this matter is not resolved I will seek legal counsel. I am also demanding XXXX and transunion to pay me XXXX for everyday that this inaccurate sits on credit profile. This account has caused me to get denied for credit on several occasion and the condescending account information between the bureaus are defaming my charter.

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 2022-01-23 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've continued to receiving notice that Transunion has " Verified As Accurate '' all Us Dept of Education student items on my Consumer report. How are they saying Verified it belongs to me. First I've never disowned the ownership of the student loans I've simply tried excising my rights to Inquire information since these have been placed on my credit report. I can not get a great paying job even though I am college educated because I have XXXX Student loans in Collections reporting inaccurate and incomplete. Theres a hand full of violations but Transunion continues to ignore my disputes and my factual disputes I've sent in. 

Student Loans are classified as Collections but reporting a " Late '' payment after being closed It's a violation to have a " Monthly '' payment being reported on a collection It's a violation to have a " Balance '' being reported on a collection It's a violation with the account is " Closed '' but activity continues being reported on a collection It's a violation to continue reporting " COL '' every month on a collection It is a Violation to continue changing my " Date of Last Activity '' all because the collector wants to illegally collect. 

1. US Dept. of Education XXXX  2. US Dept. of Education XXXX  3. US Dept. of Education XXXX  4. US Dept. of Education XXXX 5. US Dept. of Education XXXX  6. US Dept. of Education XXXX  7. US Dept. of Education XXXX  8. US Dept. of Education XXXX  9. US Dept. of Education XXXX  10. US Dept. of Education XXXX  11. US Dept. of EducatioXXXX XXXX XXXX. US Dept. of Education XXXX XXXX. US Dept. of Education XXXX Please tell me how and what you did to Verify? Please do a independent Investigation.. After you have investigated send me everything pertaining to the investigation.. If it's not thorough please Delete because this is killing my ability to provide for my family.. I have a new born son with no job, no car to get him to doctor appointments. 

No one with finance or extend credit with this being reported inaccurate and incomplete Please have empathy and do the right thing..

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 2022-01-23 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've continued to receiving notice that XXXX has " Verified As Accurate '' all Us Dept of Education student items on my Consumer report. How are they saying Verified it belongs to me. First I've never disowned the ownership of the student loans I've simply tried excising my rights to Inquire information since these have been placed on my credit report. I can not get a great paying job even though I am college educated because I have 13 Student loans in Collections reporting inaccurate and incomplete. Theres a hand full of violations but XXXX continues to ignore my disputes and my factual disputes I've sent in. 

Student Loans are classified as Collections but reporting a " Late '' payment after being closed It's a violation to have a " Monthly '' payment being reported on a collection It's a violation to have a " Balance '' being reported on a collection It's a violation with the account is " Closed '' but activity continues being reported on a collection It's a violation to continue reporting " XXXX '' every month on a collection It is a Violation to continue changing my " Date of Last Activity '' all because the collector wants to illegally collect. 

1. US Dept. of Education XXXX 2. US Dept. of Education XXXX 3. US Dept. of Education XXXX 4. US Dept. of Education 5066 5. US Dept. of Education XXXX 6. US Dept. of Education XXXX 7. US Dept. of Education XXXX 8. US Dept. of Education XXXX 9. US Dept. of Education XXXX 10. US Dept. of Education XXXX 11. US Dept. of Education XXXX 12. US Dept. of Education XXXX 13. US Dept. of Education XXXX Please tell me how and what you did to Verify? Please do a independent Investigation.. After you have investigated send me everything pertaining to the investigation.. If it's not thorough please Delete because this is killing my ability to provide for my family.. I have a new born son with no job, no car to get him to doctor appointments. 

No one with finance or extend credit with this being reported inaccurate and incomplete Please have empathy and do the right thing..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: TX

Complaint narrative:
I've continued to receiving notice that XXXX has " Verified As Accurate '' all Us Dept of Education student items on my Consumer report. How are they saying Verified it belongs to me. First I've never disowned the ownership of the student loans I've simply tried excising my rights to Inquire information since these have been placed on my credit report. I can not get a great paying job even though I am college educated because I have XXXX Student loans in Collections reporting inaccurate and incomplete. Theres a hand full of violations but XXXX continues to ignore my disputes and my factual disputes I've sent in. 

Student Loans are classified as Collections but reporting a " Late '' payment after being closed It's a violation to have a " Monthly '' payment being reported on a collection It's a violation to have a " Balance '' being reported on a collection It's a violation with the account is " Closed '' but activity continues being reported on a collection It's a violation to continue reporting " COL '' every month on a collection It is a Violation to continue changing my " Date of Last Activity '' all because the collector wants to illegally collect. 

1. US Dept. of Education XXXX6 2. US Dept. of Education XXXX  3. US Dept. of Education XXXX  4. US Dept. of Education XXXX 5. US Dept. of Education XXXX 6. US Dept. of Education XXXX 7. US Dept. of Education XXXX 8. US Dept. of Education XXXX 9. US Dept. of Education XXXX 10. US Dept. of Education XXXX 11. US Dept. of Education XXXX 12. US Dept. of Education XXXX 13. US Dept. of Education XXXX Please tell me how and what you did to Verify? Please do a independent Investigation.. After you have investigated send me everything pertaining to the investigation.. If it's not thorough please Delete because this is killing my ability to provide for my family.. I have a new born son with no job, no car to get him to doctor appointments. 

No one with finance or extend credit with this being reported inaccurate and incomplete Please have empathy and do the right thing..

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 2022-01-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My XX/XX/XXXXaccount and XX/XX/XXXX bank has been compromised. Transactions being made not authorized by me. Call bank speak to XXXX different ppl each time and can't get them to give me names or employees # 's. No documentation is being made on my accounts. Get transferred around not getting the issue resolved. Add {XX/XX/XXXX} on my XX/XX/XXXX Still don't have funds 4 days later. Been toXX/XX/XXXX4 times to fix this because XX/XX/XXXXis refusing to help. Even have them the reference # on the receipt from purchase that XX/XX/XXXX store XXXX told me to give XX/XX/XXXX.Then i. GaveXX/XX/XXXX the sequence and authorization #. STILL nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
I was in the process of refinancing my Flagstar mortgage with XXXXXXXX XXXX and Flagstar sent the wrong payoff amount to XXXX costing me 14 days of additional interest @ {$16.00} a day for a total of {$230.00}. 

I closed my refinance loan with XXXX on t he XXXX of XXXX. On XXXX Flagstar sent the check back to me stating that the payoff amount was incorrect. I have their payoff statement and the check that was sent was for the exact amount they requested. 

I called Flagstar to inquire about why they sent me the check back and not XXXX and why the payoff amount that they sent was incorrect. The customer service agent said that an escrow payment was made after they quoted the payoff and that it is my responsibility. I agreed that I owe the additional amount, however, she could not tell me why this amount was not added to the payoff letter or why they would send it to my house and not XXXX Bank. 

I have no problem paying the additional Escrow amount, however, they should refund the additional interest due to their incorrect payoff letter. The payoff check for their payoff amount was sent to them on XXXX and it took me until XXXX to payoff my mortgage.

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 2022-01-23 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: NY

Complaint narrative:
Back in XXXX of 2018. My husband filed for XXXX  XXXX bankruptcy protection. Because of this I had a credit card that was erroneously closed because my husband was an authorized user. The creditor, XXXX XXXX, at that time immediately closed my account and reported the account as charged off. 

Under standard bankruptcy law. Once a debt is under an automatic stay. All collection activity must be stopped. Reporting accounts as anything other than included in bankruptcy would be a form of collection activity. As the creditor is clearly trying to compel payment of said debt by reporting the information in a negative fashion. 

While Ill agree this is not my bankruptcy. The creditor chose to include themselves in this bankruptcy. My husband was an authorized user on this account and his information was never used in the determination for credit approval. This account up until this moment had always been paid in time with no negative reporting taking place. But XXXX upon learning of my husbands bankruptcy opted to show at the meeting of the creditors and opted to include this debt and in his bankruptcy. By doing so they subject themselves to the requirements of the bankruptcy. They are obligated under the bankruptcys automatic stay to cease all collection activity. 

I have tried on multiple occasions to dispute this item on my credit report. I have presented evidence to the credit bureaus that this item was included in a bankruptcy proceeding. However nothing is ever completed or updated accordingly. This item continues to report as an active charge off on my credit file. Even though XXXX clearly expects to be either be paid or discharged through this bankruptcy proceeding. 

This item should be removed as being wildly inaccurate concerning my payment history. As I have paid this account on time every month. It wasnt until they chose to subject themselves into a bankruptcy proceeding that they closed the account and reported as a charge off. They could have opted to remove the authorized user and keep the account open and continued receiving payments.

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 2022-01-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: OPTUM BANK, INC.
State: AZ

Complaint narrative:
I opened an HSA account with XXXX XXXXXXXX XXXX in XXXX. In XXXX, XXXX XXXXXXXX XXXX sold its XXXX accounts or business to Optum Bank. As part of this transfer, Optum Bank provided the existing XXXX XXXX Bank HSA accountholders with its assurance that the transfer of accounts will be seamless, which included an assurance that the current XXXX XXXXXXXX XXXX fee structure would continue to be applicable to our accounts. This fee structure provided a fee waiver in the event your HSA account ( cash and investments ) exceeded {$5000.00}. I have attached a pdf of the Frequently Asked Questions flyer prepared by Optum Bank evidencing this representation. 

Optum Bank honored its commitment until XX/XX/XXXX. My HSA account had a balance greater than {$10000.00}. In this month, Optum Bank charged my account a {$2.00} monthly maintenance fee and a {$3.00} investment fee. I contacted Optum Bank to contest the fees assessed with a reference to the prior representations made my Optum Bank. My request was denied. 

In order to prevent the continued erosion of my HSA account through this aggressive fee schedule, I closed my account ( allowing Optum Bank to charge me a {$20.00} transfer fee ) and transferred my account to XXXX. 

I have been diligent about monitoring my HSA account for fees that included at least one prior instance that a fee was assessed and subsequently reversed. I believe Optum Bank should be held accountable to honor its representations to the former XXXX XXXX HSA accountholders and they should be required to investigate and make public its findings as to any fees erroneously assessed on the former XXXX XXXX HSA accountholders and to make to pay any appropriate refunds and penalties that are deemed warranted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-23 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: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/21, I filed a dispute with Target Red Master card against a surgical center by the name of XXXX and XXXX XXXX. I initially filed the dispute because of an extreme botch surgery on XX/XX/XXXX as well as being over charged. I tried to reach out to the merchant to resolve the issue and get clarity during the healing process, but the company was of no assistance. Since the dispute process has begun, the target Red card dispute department has done nothing to investigate the case. I have called over 20 times to follow up, sent multiple documents/photos/emails and have not gotten any update on the dispute. The proper protocol is for the dispute team to contact the merchant and to provide a temporary credit while investigating, but none of which has been done. I finally got an email from the merchant stating that they would be willing to refund and I still have not gotten a credit from Target master card. The process should take no more than 60 days and it has been well over 90.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23 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: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Back in XXXX of 2018. My husband filed for XXXX  XXXX bankruptcy protection. Because of this I had a credit card that was erroneously closed because my husband was an authorized user. The creditor, TD Bank/XXXX, at that time immediately closed my account and reported the account as charged off. 

Under standard bankruptcy law. Once a debt is under an automatic stay. All collection activity must be stopped. Reporting accounts as anything other than included in bankruptcy would be a form of collection activity. As the creditor is clearly trying to compel payment of said debt by reporting the information in a negative fashion. 

While Ill agree this is not my bankruptcy. The creditor chose to include themselves in this bankruptcy. My husband was an authorized user on this account and his information was never used in the determination for credit approval. This account up until this moment had always been paid in time with no negative reporting taking place. But XXXX upon learning of my husbands bankruptcy opted to show at the meeting of the creditors and opted to include this debt and in his bankruptcy. By doing so they subject themselves to the requirements of the bankruptcy. They are obligated under the bankruptcys automatic stay to cease all collection activity. 

I have tried on multiple occasions to dispute this item on my credit report. I have presented evidence to the credit bureaus that this item was included in a bankruptcy proceeding. However nothing is ever completed or updated accordingly. This item continues to report as an active charge off on my credit file. Even though XXXX clearly expects to be either be paid or discharged through this bankruptcy proceeding. 

This item should be removed as being wildly inaccurate concerning my payment history. As I have paid this account on time every month. It wasnt until they chose to subject themselves into a bankruptcy proceeding that they closed the account and reported as a charge off. They could have opted to remove the authorized user and keep the account open and continued receiving payments.

Company response to consumer: Closed with non-monetary relief