vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 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:
I sent Transunion a handwritten letter dated XX/XX/22 stating their roles as a consumer reporting agency as well as a Financial Institution. They have a continuing obligation to protect, secure, and respect the privacy of consumers. I demanded 9 accounts to be removed from my report because they are resulted in identity theft and Transunion refuse to oblige. The unauthorized access of my consumer reports is causing substantial harm and inconvenience for me to extend credit and obtain things needed for my household purposes.

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 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I paid off a loan for XXXX through Citi - customer service says XXXX but that site is not valid. When I call XXXX, it says my account is closed ( because I have paid it off ) ; however, a monthly recurring, automated bill pay for the amount of {$220.00} is still paid to this closed account. I have twice called my bank to try to stop the payments but they do not have a record of this. I'm confused, as this bank has my only checking accounts. XXXX will not give me the last four digits of the account from which the funds are drawn, but I gave them the last four digits of all known accounts but they do not match up. So I have to repeatedly request refunds from XXXX. I don't want them earning interest on my money that is not rightfully theirs. How do I rectify this very frustrating situation?

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 2022-08-26 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: CA

Complaint narrative:
I am a co-signer on a student loan. I was never notified that the payment was late and did not receive any invoices. The first correspondence was sent via US mail stating that the loan was late. I immediately made an on-line payment. This should not have been reported to credit reporting as I never received an invoice. I have tried to work with the loan servicer XXXX XXXX but they are not cooperative.

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 2022-08-26 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: AL

Complaint narrative:
I lost my wallet and my identity was stolen. My information was used for fraudulent inquires. They are all listed below. I would like these fraudulent inquires taken off my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: DISCOVER BANK
State: MA

Complaint narrative:
I have a card with Discover. A charge was declined today ( XXXX ), so I called them. Discover customer service told me my account was restricted until they verify some information on my account. They emailed me an authorization form ( IRS 4506-C ) that would allow them to request my tax return from the IRS. They told me my account would be closed if I don't do this within six weeks, and that there is no alternative process. 

They said they would use this process to verify my name, social security number, home address, and birth date. I believe they can verify name and SSN this way. Their attempt to verify my home address will fail because Discover has my current address while the IRS has my previous address where I lived when I filed my taxes, which I don't think is an unusual state of affairs or unreasonable. I don't believe they can verify my birth date this way at all. 

Aside from that, I am much more concerned with the privacy implications here. By demanding direct and uncensored access to my tax return, they are going to receive far more information than they need. They will see my spouse 's name and SSN, our incomes, how many children we have ( or claimed, at least ) and how much we spend on their education, our bank account numbers from the direct deposit form, our other credits and deductions, and much more personal and private information than I can enumerate here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: MN

Complaint narrative:
I sent a dispute letter ( 609 ) to the threXXXX credit bureaus XXXX, Transunion, XXXX on XX/XX/XXXX, asking for them to verify the items on my report one in particular the Student Loans from XXXX XXXX and the Department of Education XXXX XXXX were both reporting student loans twice and sent highlighted copies of my report to all three companies along with two forms of identification etc. On XX/XX/XXXX I received a letter from only XXXX saying they were unable to honor my request of sending a revised copy of my report because no specific credit grantor was provided. Again I sent them highlighted copies of my report and highlighted every error that I saw on the report along with the credit grantors. I have yet to hear from the other companies they had 15 days to respond that time has passed. In addition, as I'm writing this letter the President just forgave $ XXXX {$20000.00} in student loans. 
The FCRA also states that credit rating agencies must remove negative credit information after seven years and bankruptcies after seven10 years ... and due to the fact that the reporting agencies can't verify said items then they must be deleted and I should be supplied a new credit report showing the deletion please and thank you. 
In addition, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) properly delete that item of information from the file of the consumer or modify the item or information as appropriate based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-08-26 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: MN

Complaint narrative:
I sent a dispute letter ( 609 ) to the three credit bureaus XXXX, XXXX, Experian on XX/XX/XXXX, asking for them to verify the items on my report one in particular the Student Loans from XXXX XXXX and the Department of Education XXXX XXXX were both reporting student loans twice and sent highlighted copies of my report to all three companies along with two forms of identification etc. On XX/XX/XXXX I received a letter from only XXXX saying they were unable to honor my request of sending a revised copy of my report because no specific credit grantor was provided. Again I sent them highlighted copies of my report and highlighted every error that I saw on the report along with the credit grantors. I have yet to hear from the other companies they had 15 days to respond that time has passed. In addition, as I'm writing this letter the President just forgave $ XXXX {$20000.00} in student loans. 
The FCRA also states that credit rating agencies must remove negative credit information after seven years and bankruptcies after seven10 years ... and due to the fact that the reporting agencies can't verify said items then they must be deleted and I should be supplied a new credit report showing the deletion please and thank you. 
In addition, If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) properly delete that item of information from the file of the consumer or modify the item or information as appropriate based on the result of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-08-26 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: MS

Complaint narrative:
I recently disputed some accounts on my credit report that was not accurate, multiple accounts, they where supposed to be removed with proof from the original creditors, The credit bureaus have failed to acknowledge and execute on this issue for months now. This has been going on past 45 days. All proof is below, they informed me that if I was a credit repair organization or using a Credit Repair organization I would need to state that, no law says I need to state anything about my credit because it is part of my consumer privacy protection.

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 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Open a card with American Express XXXX XXXX in XXXX. They had a promotional offer of XXXX bonus points when I spend {$15000.00} or more. I liked the offer so we had to pay for expenses upfront with our business and met the spend. I spent over {$16000.00} in the first three months. I noticed I did not get the reward after a few months so I called them. They said yes it looks like you met the spend and I would receive it on the next billing statement. I have since done this twice calling AMEX and still have not received my promotional offer. This was hard to do as a small business since we had to pay for things upfront which hurt our cash flow. I am still waiting for the bonus points to reflect on my account after two more months of back-and-forth phone calls.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 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: NY

Complaint narrative:
My problem is with Equifax and XXXX Reporting Bureau, a while back I disputed some issues on my credit report. I requested my annual credit report and could not get it from either one. I later found that Equifax has a Credit File Status Blocked for Promotional Purposes. I was not told what this means and had no contact from either company. I am using XXXX XXXX XXXX XXXX and they been fantastic, but I wonder are the credit companies punishing me for challenging or making a dispute? There has been no follow up whatsoever when I contacted them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Called on XX/XX/2022 at XXXX from XXXX XXXX XXXX. 
Text stated that it was the PayPal Fraud Department and that my XXXX XXXX has been deactivated due to the fraudulent activity on your account please call us back asap at XXXX XXXX. 
I called the card and they stated that there were no unauthorized charges on my account. This was a scam call. I was directed by PayPal to your website.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Had a loan w XXXX XXXX. They agreed to remove the late payment I had and it has not been removed.

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 2022-08-26 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: WA

Complaint narrative:
Had a loan w XXXX XXXX. They agreed to remove the late payment I had and it has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I recently disputed some accounts on my credit report that was not accurate, multiple accounts, they where supposed to be removed with proof from the original creditors, The credit bureaus have failed to acknowledge and execute on this issue for months now. This has been going on past 45 days. All proof is below, they informed me that if I was a credit repair organization or using a Credit Repair organization I would need to state that, no law says I need to state anything about my credit because it is part of my consumer privacy protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I XXXX got money depsoited to my acct from a loan ... once the money got deposited to my acct i started withdrawing some of the money... then they stoped me with drawing the money blocked my acct sent me to the fraud department..asking me all types of questions ... and very rude customer service ..which i know for a fact one of the agents was very XXXX in so many ways she didnt even hide it the way she was asking me questions and harrasing me about my acct to where she blocked it... .i been going back and fourth with these people to release my funds and unblock my acct... nothing has been done its going on about 2yrs now...

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 2022-08-26 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: Self Financial Inc.
State: TX

Complaint narrative:
There has been damage caused in regard to my credit reputation. This has caused me economic strife

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX # XXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX 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

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 2022-08-26 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
There is a negative report and marks on my credit report that has caused damage to my reputation and economic strife.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Can't contact lender or servicer — 
Company: HYUNDAI CAPITAL AMERICA
State: NJ

Complaint narrative:
Paid my car of back in XXXX and still did not receive the Title. This is a car purchased from Hyundai ( hyundai motor finance ) I have called over 20 times and always told that we are dealing with the issue at this point i dont know what to do anylonger as the registration has expired and the car is seating at the garage.

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 2022-08-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
My identity is being messed with a long with other issues I am filling a didpute with the consumer reporting agency with my rights under the fcra act. I have had more issues with my bank accounts n my money not being found with my consumer rights n if this credit was right then my other money would be easier to c where it went, .. this goes back from XXXX up till this very day XXXX.i also want XXXX to pay me for me paying them to pertect all this and they did not, I'm want to file suits.

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 2022-08-26 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: NY

Complaint narrative:
15 U.S.C 1681 5A everything has to be corrected 100 % accurate on the account as shown below in the attached files you can see that there numerous errors on these accounts that things on the credit report are not 100 % correct these creditors have violated this law for a long period of time and they need to be removed off my credit report Account number XXXX Account number XXXX Account number 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 2022-08-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: VT

Complaint narrative:
I've been a customer of JetBlue Barclays Mastercard for over five years. I've never been late on a payment and have always made payments in full. 

On XX/XX/XXXX, they did not accept my payment for an unknown reason. I tried via the app, website, and over phone to make the payment. They were " processing '' the payment until XX/XX/XXXX. 

I contacted my bank as well and there was nothing they could do. 

On XX/XX/XXXX, I was charged interest of {$96.00}. 

On XX/XX/XXXX, I called to dispute, they issued a " one time refund '' of {$96.00}. 

On XX/XX/XXXX, I noticed they retroactively added a new interest charge of {$86.00}, but issued on XX/XX/XXXX. 

On XX/XX/XXXX, I called to dispute, they issued a " one time refund '' of {$86.00}. 

On XX/XX/XXXX I was charged interest of {$37.00}. 

I called on XX/XX/XXXX to dispute, they refused to issue a refund because a payment on XX/XX/XXXX happened from the " time my bill was sent to me until the time the card issuer received my payment ''. 

I've never dealt with this until XXXX and XXXX of this year. I have been a loyal customer and never made a late payment. These charges are bogus.

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 2022-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA

Complaint narrative:
XXXX -- Carrington Mtge . Said this is a duplicate copy of XXXX I don't know why any one would read this and come to that conclusion. This complaint is more damaging. I made a mistake on XXXX. The Insurance Carrington put on the house XXXX is {$400000.00} NOT {$300000.00}. That's the Correction from XXXX complaint. Carrington Mtge. took out Insurance from XXXX XXXX XXXX XXXX no # XXXX was issued XX/XX/XXXX at XXXX through XX/XX/XXXX. Why would Carrington put insurance on our home and we already have insurance. We had already paid {$2600.00} The premium paid to XXXX from Carrington was {$3700.00}. We had already paid XXXX XXXX {$2600.00}. Total paid out of Escrow was {$6300.00}. 
Carrington has not paid the Taxes on our property. It should have came out the Escrow. 
Account. The Current Year Fair Market Value in XXXX was {$230000.00} That's what 100 % Appraised Value. Why is Carrington have the same house paying insurance premium for a {$400000.00} thousand dollar house that should only value {$230000.00}. This is a Mortgage SCAM

Company response to consumer: Closed with explanation