vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have had an exceptional credit rating for the past XXXX years of my life. I took a seasonal job with the XXXX XXXX back in XXXX. I ended my job with the XXXX XXXX in XXXX of XXXX. At some time during XXXX I received a letter stating that I owed {$200.00} in taxes to Soc. Sec. I had no idea what they were talking about as I had all of my taxes taken out of the pay check. I called and logged into my IRS account and could not find any " outstanding monies owed '' I also call Soc Sec and they said I didnot owe any money that they were aware of. As we were being told of all of the scams during COVID I just assumed this was an attempt to have me send money ( seeing as I receive no less than XXXX spam calls a day I just assumed this was in line with a scam ) Long story short I found out that this was indeed a real thing. I was not aware of the fact that during the last month of my employment with the XXXX XXXX in XX/XX/XXXX the federal government decided not to withhold Soc Sec thinking this would add money back into peoples paychecks. As I no longer worked for the Federal government the money that was not withheld was being collected directly. Seems most people didnot know about this as continuing employees just had the money taken out of their on going paychecks. 
This was a one off situation and as soon as I found out this was legit I paid the bill in full. So now the problem. This ONE time XXXX XXXX XXXX XXXX XXXX  situation for {$200.00} had Transunion XXXX my XXXX credit score ( once again I have had an exceptional credit rating for XXXX years ) down to XXXX ..... I am outraged by this and all of my attempts to contact any one a Transunion have been meet with " well the computer does this '' are you kidding me. This is a scam as far as I can tell. How can you drop a persons credit score that low for a ONE OFF situation for {$200.00} after XXXX + years of an excellent credit score esp since the genesis of this situation was thought to be a scam. 
I spoke with XXXX ID # XXXX on XXXX XXXX, XXXX from Transunion and he just said I could contact you. This is outrageous that I can not get thru to anyone to figure out how they came up with the score based upon my outstanding credit rating. This cost time and money. I am copy and pasting this to XXXX XXXX Attorney General for the State of NY as I think that credit reporting agency 's are not doing business any longer in good faith. Why can you not get a resolution on an issue like this. The Consumer Protection Agency should be all over this type of consumer abuse. It's outrageous.

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 2022-10-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Incorrect information on your report — Account information incorrect
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington Bank XXXX Huntington Bancshares Incorporated is an American bank holding company headquartered in XXXX, Ohio ) have a program called Stand By Cash. The requirements now are as follows. 

Standby Cash is subject to terms and conditions and other account agreements. A 1 % monthly interest charge ( 12 % Annual Percentage Rate ) will be added to outstanding balances if automatic payments are not scheduled. Available through online banking or the Huntington Mobile app to individuals with an active consumer checking account with at least three months of consistent deposit activity of {$1000.00} or more, and an average daily balance over the last 30 days of {$200.00} or more. An active or recent bankruptcy or other legal process may disqualify you. Other eligibility requirements apply, including your recent overdraft and/or return history, regardless of whether you are charged overdraft or return fees or they are waived with our XXXX Grace and {$50.00} Safety ZoneSM services. We reserve the right to change eligibility criteria at any time. Line amount and/or ongoing availability may vary based on changes to your deposit activity, average daily balance, and number and length of overdrafts and/or returns on any of your Huntington deposit accounts. When any of your Huntington deposit accounts are in an overdraft status for more than one day, your Standby Cash line may be suspended until they are no longer negative. If 90 % or more of the approved credit line is drawn three months in a row, Standby Cash will be suspended until its paid to a XXXX balance. Business checking accounts are not eligible for Standby Cash. 

I was informed today that we were not eligible for stand by cash due to overdraft on XX/XX/2022. We did not get NSF fees, we just simply transferred money from savings to bring the account current. 

Problem 1 : The policy change to Stand by cash did not go in effect until " I was told XX/XX/XXXX XXXX XXXXXXXX 2022. The requirements did not state whether it back dated XXXX  days or if the policy change just started on the " XXXX ''. 

Problem 2 : I was informed that Stand By Cash is automated and it runs by an algorithm. Since we did not technically have any overdraft fees, but the stand by cash 's algorithm seen where the account was negative for a short amount of time ( XXXX XXXX to transfer from savings ) ... does it send a report to credit bureau of actual overdraft?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Home Point Financial Corporation
State: FL

Complaint narrative:
Applied for the ARM XXXX mortgage with HomePoint Financial through XXXX who works with many lenders. I was supposed to close on the mortgage on XX/XX/2022. I had submitted every single requested documentation and I was told by my contact at XXXX everything is good to go. On XX/XX/2022, 2 days before we were supposed to close, XXXX came back saying they didn't have all the documentation and that I did not have the full amount in my checking account that would cover the closing costs. This is absolutely incorrect because I had submitted my transaction history and it showed that I had the money to cover the closing costs. My house as also closing on the same day so my contact at XXXX came and said we need to wait until my house closes and get the money to show that I do have the money for the new house. This process took 1 week to complete. The new owner of my old house charged me {$100.00} per day to stay in my old house until I closed with the new house with XXXX. I had change all my scheduled dates for everything. The movers I hired could not change it until the following Friday, XX/XX/2022. It cost me {$1000.00} total to stay at my old house until I could move into the new house. I hold both HomePoint and XXXX response for the additional undue cost that I had to pay because they did not do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27 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: GA

Complaint narrative:
The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

XXXX. Account isn't reporting accurately a Chargeoff account can not hold a balance owed and these accounts are reporting different activity dates this a FCRA violation for misleading false reporting XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX Account Number : XXXX Your improper procedures are highly damaging to my credit score. Please immediately delete this item. 

XXXX. The inquiry was not authorized XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Tesla, Inc.
State: CA

Complaint narrative:
I have car financed by Tesla finance, I was planning to pay off my car early so I make partial payment to lower the principal after I confirm with them, so I did pay {$41000.00} and I reserve and email saying the payment can not go to the principal and it will go for the monthly payment. 
I ask them to return my money back and they agree to return it back, it's been 2 month now and I still didn't get my money back and they keep taking interest on my payment, I contacted them no one answer the phone, I email them and they keep ignoring me they put me in really deep financial problem and I want my money back as soon as possible

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 2022-10-27 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have some unauthorized inquiries on my report that I don't recognize. 

XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I received an alert from multiple credit reporting agencies that a hard application for credit in my name was submitted by CHASE BANK. I called Chase and told them it was not my application and to not issue credit and asked it be removed. After I validated my information and identity they confirmed there was an online application submitted. I asked them to remove it and they said it would take 30-60 days to process. I also then called the three main credit bureaus to also report the issue. 

FYI I had a credit fraud alert on my report since XXXX and it was current through XXXX. I extended that alert statement. 

XXXX said I needed to file a police report or FTC report and then upload the report into to their system to remove the inquiry. I went to FTC and it referred me to the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Due to overwhelming debt I was forced to turn my debt to XXXX XXXX XXXX and have them negotiate payments I can afford. All of my debtors have accepted except Barclays Bank. They call repeatedly from XXXX to XXXX XXXX at least 7 times a day except Sunday. I have told them that XXXX XXXX has negotiated with them. I was current thru XXXX of this year with payments. Since XXXX they have been receiving {$290.00} a month. They say I owe an additional {$900.00} which I do not have. I've emailed them and told them that in XXXX I will have my income tax return and I will make good on the {$900.00}. I'am retired and live on my pension and social security. All of income or almost all of it goes to bill paying I can not afford to pay them more right now. Please them I'm doing my best to pay them. The number they call me from is 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 2022-10-27 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Identity theft is taking the promissory note that I gave a signature to and credited that promissory note as it belongs to them and allonged pay to the order of them. and not giving me the credit which is the face value of the instrument. 
Taking signature and pretending that the instrument belongs to them They are acting like they are the ones that gave consideration. 
identity theft is stealing the signature and putting it in street name and not giving the credit 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 explanation
Consumer complaint received 2022-10-27 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: UT

Complaint narrative:
XXXX will not answer the phone or will not route it. 

They sent me out an information form and didn't respond to my request to show that the student loan WAS PAID off and the student loan said GOOD STANDING. 

There are many remarks online about getting a number to actually contact XXXX. 

They try to sell me stuff EVERY DAY, but can't take the time to delete this loan, and in good standing.

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 2022-10-27 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: UT

Complaint narrative:
Experian will not answer the phone or will not route it. 

They sent me out an information form and didn't respond to my request to show that the XXXX  loan WAS PAID off and the XXXX  loan said GOOD STANDING. 

There are many remarks online about getting a number to actually contact Experian. 

They try to sell me stuff EVERY DAY, but can't take the time to delete this loan, and in good standing.

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 2022-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
I moved from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I contaced XXXX XXXX who I had an account with for the past XXXX plus years for cable. I returned the equipment and advised that I was moving out fo the area to a XXXX XXXX XXXX. XXXX has been harassing me for the past two years selling what they percieve to be a cancellation fee of {$260.00}. I did not have a contact with them it was month to month over many years. The community XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( I am XXXX years old ) has cable through our XXXX monthly fees. We do not have an opt out. XXXX is not in our area and their is no ability to connect and I would pay XXXX for cable if I did. XXXX has sold this supposed debt more than XXXX times, I have successfuly fought it each time through XXXX and through letters to the debt collectors but once again they are hounding me and had my credit score go down XXXX points from an XXXX  score to a XXXX  score as of XXXX XXXX. In XXXX  they affected my credit score unjustly as I was purchasing a home. I ended up paying higher premiums for homeowners and car insurance. The current company is Credit Management LP XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-27 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: GA

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief