vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-28 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: GA

Complaint narrative:
Duties upon notice of dispute from a consumer reporting agency Section 623 ( b ) ; 15 U.S.C. 1681s-2 ( b ) This section requires that whenever a person, such as a financial institution, receives a notice of dispute from a consumer reporting agency regarding the accuracy or completeness of any information the person provided to a consumer reporting agency pursuant to Section 611 ( Procedure in Case of Disputed Accuracy ), that person must, pursuant to Section 623 ( b ) : 1. conduct an investigation regarding the disputed information ; 2. review all relevant information the consumer reporting agency provided along with the notice ; 3. report the results of the investigation to the consumer reporting agency ; 4. if the investigation finds the information is incomplete or inaccurate, report those results to all nationwide consumer reporting agencies to which the financial institution previously provided the information ; and 5. if the disputed information is incomplete, inaccurate, or not verifiable by the person, it must promptly, for purposes of reporting to the consumer reporting agency do one of the following : a. modify the item of information. b. delete the item of information. c. permanently block the reporting of that item of information. 

A XXXX  XXXX bankruptcy was placed on my Transunion credit report on XX/XX/XXXX. I have requested on numerous occasions for this information to be verified and validated. I have requested an investigation on this matter as recent as XX/XX/XXXX. I have not received any communication from Transunion according to the law listed above.

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
on XX/XX/XXXX I made a promotional purchase on Macys.com in the amount of {$810.00} - a 12-month special event, paying no interest for 12 months with an expiration date of XX/XX/XXXX. On XX/XX/XXXX I called Macy 's CC, spoke with the agent named XXXX, and paid {$300.00} towards {$810.00} ( ref # XXXX ), leaving {$510.00} as a balance. The {$300.00} payment was applied towards a promotional charge during the same billing cycle. On XX/XX/XXXX I called Macys.com CC, spoke with an agent named XXXX, and paid the remaining balance of {$510.00} towards the promotional charges to close it out ( ref # XXXX ). I also told the agent that since I am making a payment before my due date, I will make another payment in the same billing cycle. I did make a separate monthly payment in the amount of {$180.00} two weeks later before my due date on XX/XX/XXXX. I was assured that my payments will be allocated as I requested. Today, XX/XX/XXXX, I reviewed the XXXX statement and saw that the payment of {$510.00} was not applied toward the promotional charges but applied toward regular charges, leaving the promotional charges still occurring as the interest ( deferred {$230.00} ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my TRANSUNION, XXXX, and XXXX credit reports. My latest credit report shows 18 credit inquiries that I did not authorize.

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 2023-04-28 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: PA

Complaint narrative:
I am writing to request the removal of unauthorized credit inquiries on my XXXX, EXPERIAN, and XXXX credit reports. My latest credit report shows 18 credit inquiries that I did not authorize.

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 2023-04-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
MEDICAL DATA SYSTEMS INC has a false debt in my name for this amount of {$540.00}. I was a victim of identity theft, and I need this debt to be removed from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Dear Sir/Madam, I am writing to you with regards to a pressing matter concerning my PayPal accounts XXXX My name is XXXX XXXX, and in the year XXXX, I processed about XXXX USD. Unfortunately, due to the unprecedented circumstances surrounding Covid-19, I was unable to deliver some of my orders on time. As a result, I received complaints from some customers, which led to PayPal freezing my accounts. 

They stated that after 180 days, I would be able to withdraw the funds. After the 180-day period had passed, I checked my accounts, but there was no money in them. To my dismay, I discovered that PayPal had withdrawn all the funds to their accounts. Since then, I have been tirelessly trying to get in touch with PayPal, but to no avail. 

After contacting PayPal customer service for numerous times, I was eventually able to get an answer and it was the account has a negative balance because of a refund and now my account was with a collection company. I even received letters from this collection company based in XXXX XXXX. 

During my interactions with the customer service team, I have been informed that my account has been blocked due to a refund, and the account balance has been negative by {$130.00}. I want to clarify that I am not the reason for the negative balance in my account. I had over {$70000.00} USD in my account, and PayPal withdrew everything, which caused the negative balance. This was done by PayPal without my consent or knowledge. 

I have been asked by the customer service team to pay the negative balance to unlock my account and I can access the messages PayPal sends to me in regards to the issue, However, I am not in a position to pay that balance as all the money withdrawn by PayPal was from my credit cards, which are now maxed out and over limit. Most of the money invested in the business was from my credit cards. Now I am left with thousands of dollars in debt and having a hard time supporting my immediate family, including my XXXX child, my wife, and my elderly parents. 

I am writing to you today in the hope that you can assist me in resolving this matter. I would be grateful for any help that you can provide in retrieving my funds. Thank you for your understanding and prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: NJ

Complaint narrative:
I am disputing the presence of fraudulent accounts on my credit report, as they do not belong to me and I have no knowledge of their existence. I am invoking my rights under USC 1681g and requesting that these accounts be removed from my credit report within 15 days.

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 2023-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: Avant Holding Company, Inc.
State: AZ

Complaint narrative:
On XX/XX/2023 i applied for a credit card. With a soft credit check i was approved. Once i was approved i authorized a hard check. I have an alert for fraud due to past activity on my name. AVANT Credit card companny then cane back and said due to the alert on my file they were unable to verify my identity and i was denied due to my email address. They never tried contacting me for more information. They never attempted to rectify this in any way and there was no reason for the denial other then a fraud alert. Denial of a credit account based on an alert placed by me to prevent fraud is a violation of the fair credit act. I advised them of this... i also advised if they cant veeify my identity, then who is to say XXXX XXXX initiated the Hard or Soft Credit check at all. Who is to say XXXX XXXX even applied for the card. The credit card waa denied since they said they couldnt verify my identity. They say they wont remove the hard credit check because they know " XXXX XXXX '' is the one who initiated the credit card request. However their denial states i was denied since they could not verify that " XXXX XXXX '' applied. Your denial must match the reason for the hard credit check. You cant have an approval and denial for the same thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: CreditNinja Lending, LLC
State: TX

Complaint narrative:
I got a notification that I open a loan with a company and it was not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I missed payments from XXXX - XXXX of XXXX. XXXXXXXX XXXX XXXX XXXX XXXX called and offered to put those four payments at the end of my mortgage if I made 3 payments XX/XX/XXXX - XX/XX/XXXX. They then sent me a loan modification ( not what they offered ) and sold my mortgage ( end of XXXX? ) to XXXX XXXX XXXX XXXX XXXX XXXX. I made the payments ( one to XXXXXXXX XXXX, then 2 to XXXX ) but refused to accept the loan mod as it added 14 years to my mortgage term. 

While trying to figure out what went wrong, XXXX XXXX XXXX then sold my mortgage to Right Path Servicing ( RPS ) / Nationstar ( XX/XX/XXXX? ). I then spent many more months trying to figure out what was going wrong. RPS then offered me a loan mod if I made 3 payment XX/XX/XXXX - XX/XX/XXXX. Fatigued from the delay I accepted and made the payments. They then rejected the loan mod in XXXX, probably because interest rates had risen and they couldn't offer a monthly payment commensurate with my existing XXXX XXXX mortgage per the rules. 

Frustrated with being run around I called a HUD counselor ( XX/XX/XXXX ) who explained that XXXXXXXX XXXX  likely tried to illegally transition me from the " payment deferral '' they offered to a " loan modification '' because their HELOC would be moved from XXXX to XXXX position, thereby increasing their risk. Wanting to hide their mistake, they then sold my mortgage to obfuscate matters. Note that I recently received some paperwork which said XXXXXXXX XXXX  was now the holder of the mortgage again ( XX/XX/XXXX ) although RPS is still claiming to be the servicer. Calls to RPS have been cutoff as their phone system is clumsy at best.

I am seeking mediation. My loan information is : Right Path Servicing / Nationstar XXXX XXXX ( XXXX ) XXXX LOAN NUMBER XXXX XXXX XXXX Due as of XX/XX/XXXX : $ XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: PA

Complaint narrative:
On XX/XX/XXXX and XXXX I sent ( via certified mail ) XXXX, XXXX, and Transunion my FTC reports along with a copy of my driver 's license and the US Code 1681c-2 - Block information resulting from identity theft US Code 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 2023-04-28 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: PA

Complaint narrative:
On XX/XX/XXXX and XXXX I sent ( via certified mail ) XXXX, Equifax, and XXXX my FTC reports along with a copy of my driver 's license and the US Code 1681c-2 - Block information resulting from identity theft US Code .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: EQUIFAX, INC.
State: NY

Complaint narrative:
INQUIRIES UNAUTHORIZED & UNVERIFIED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: NM

Complaint narrative:
Hello, Reference complaint XXXX which has been responded to but the company ( NewRez LLC - XXXX XXXX XXXX XXXX ) has not done what it said it did. 

I am owed a refund of {$420.00} for an appraisal fee. The company ( NewRez LLC - XXXX XXXX XXXX XXXX ) states that a refund of {$420.00} was sent to my original charged credit card on XX/XX/2023. 

I contacted my bank ( XXXX XXXX XXXX XXXX XXXX XXXX ) which has no record of the transaction. ( NewRez LLC XXXX XXXX XXXX XXXX XXXX ) claims. While they provided a copy of a credit voucher receipt which I provided to my bank. As stated XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  can find no record of that transaction. 
This leads to the possibility of one of two conclusions : 1. ) NewRez LLC is claiming a transaction and has provided a receipt either in error or on purpose to support the claim of a refund that did not occur.

2. ) The refund in question was sent to another account by mistake.

I contacted NewRez LLC after having provided the receipt to my bank and my bank stating they could not find that transaction.

I asked via email that NewRez LL ( Customer Advocacy ) to verify the supposed credit voucher was sent to the correct account.

I have received no reply from NewRez LLC over that request. I can only conclude that NewRez LLC believes they don't have to respond. 

That is why i am filing this updated complaint to the original one ( XXXX ). 

As before I can not count on NewRez LLC to respond in good faith unless a complaint is filed with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
There is a Citizens Investment account in my mother 's name ( she's deceased and Citizens received her death certificate ) that has a TOD designation to me and my XXXX sisters. 
This account was somehow closed with about {$400.00} in the account and the designation was never rolled over to us. 
XXXX XXXX ( citizens investment employee and rep on the account ) has refused to help my sister with this issue and refuses to take our calls. She did find another Citizens employee who was very helpful who suggested that she get access to the account records as we suspect that the account was mishandled. 
Please advise on where we can get help with this matter. it's been extremely frustrating and I have the sense that they are hoping that we just " let it go ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reporting on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and remove off of my consumer report immediately as its violating several laws. Remove these account and information immediately!

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 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
INQUIRIES UNAUTHORIZED & UNVERIFIED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-04-28 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 recently disputed negative items on my credit report and have not received a response back

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 2023-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I've been calling transition every day this week and I also sent in letters, a FTC report, my ID, and social security card to them stating that there are 3 inquires on my report that I don't recognize. I tried to dispute them and they gave me a hard time. Representatives would hang up on me majority of the time. I would like these inquiries removed as soon as possible because they are effecting my report. 

The inquires are XXXX XXXX XX/XX/2023, XXXX  XXXX XXXX XX/XX/2023, and XXXX XXXX  XX/XX/2023.

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 2023-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
Charged {$3.00} for paper statements that was not properly disclosed when opening the account. I have called Truist to fix it, but they have had me on hold for 23 minutes and I have yet to speak to anyone.

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 2023-04-28 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 sent Experian the proof of my payment to XXXX XXXX years ago. The proof showed that the payment was actually sent on time and XXXX XXXX did not process it until it was late. 
I am not sure why Experian failed to update my account as never late. I sent the same information to the other two credit reporting agencies and they investigated it and fond that I did pay it. I no longer have the documentation I sent in because of a natural disaster/flood that destroyed a lot of my documentation. But according to the Experian representative, they should still have it on file.

I have been back and forth on this account for almost 7 years now and it is adversly affecting my credit score with Experian. My score with the other two agencies are at XXXX each and the Experian id XXXX. They all have the exact same information and the only difference is that Experian has this lae payment on my record. 

Account name XXXX 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