vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-18 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: MO

Complaint narrative:
XXXX XXXX shows incorrect information on my Transunion and XXXX reports. On my Student Loans they show I have XXXX Loans but I only have XXXX loans which I verfied on XXXX. Both agencies have the same loan on my report 3x. I have filed a dispute more then once regarding such yet it is still not accurate. Also some of. the Student Loans are XXXX XXXX XXXX and still showing on my report as a negative mark. Yet my reports show my oldest account only being 5 months old. Therefore ensuring said accounts only hurt my score. Also my score has been brought down over 35 points since XXXX due to none payments on my Student Loans. Yet all student loans have been placed on hold since XX/XX/XXXX of XXXX and continue till XX/XX/XXXX, which is still three months away. When they failed to correct such through the online disputes I attempted to contact the agencies via telephone. During the call I was informed the call may be recorded on their end yet when I informed the agencie I was also recording even though in my State of Missouri I did not have to, they refused to speak with me and hung up on me.

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 2022-05-18 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: NC

Complaint narrative:
I have contacted XXXX XXXX and all three credit locations to inform them that this account is settled with XXXX XXXX. I have provided documentation to show that this account is settled.

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 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Account was closed back in XXXX. Company was still charging a small monthly fee of {$2.00} and because I was unaware of the fee they charged me a late fee. The late fee was reversed on my account and the account was paid in full. I am not sure why I still have a balance with this company as I should not. I have attached a letter stating that the late fee was reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
CFPB STATEMENT Im writing to delete the following information in my file. The item I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I am writing to dispute the fraudulent items from my credit report. This account that is listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items 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 non-monetary relief
Consumer complaint received 2022-05-19 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: KS

Complaint narrative:
I HAVE DISPUTED WITH TRANSUNION AND XXXX OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES. TRANSUNION AND XXXX STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES.

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 2022-05-18 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: CLGF Holdco 1, LLC
State: FL

Complaint narrative:
In the past couple of months, someone opened 7 accounts under my name using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: South Mississippi Collection Services Inc.
State: MS

Complaint narrative:
South Mississippi Collection Agency has already been asked once before not to call my work. Today XX/XX/22 XXXX called again after being asked not to. She was also asked to contact me after school which she clearly isnt doing. No voicemail is ever left for me to know who is calling. This collection agency has poor methods and is very rude. The time I did tell her not to call she hung up on me. Something needs to be done about their ridiculous use of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV funding LLC place an alleged debt for collection on my credit report. They did not contact me and provide me my federally protected right to dispute this alleged debt. I have tried to contact them, but noticed recently, after reviewing my credit reports from XXXX and XXXX that the address on file with each of the credit reporting agencies is different. This is a clear violation of my rights as a consumer under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
Hello a refund for over payment started on XX/XX/2022. I was advised process takes 4 to 6 weeks max. We are in week 8 in this process. Where my refund is not being issued. Hyundai Motor finance shows 15 days to complete and then I was verbally advised. The 4 to 6 week span which still has not been meet. I have been proactive in calling for updates and I am advised its escalated. Then I would have a call back in regard which I have not been called back. To resolve my concern in regard to Hyundai issuing my refund. I dont know what to do anymore.

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 2022-05-18 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: NC

Complaint narrative:
I have attempted to contact XXXX several times attempting to address this loan ; however they are unable to locate or provide any information concerning this loan that they are reporting on both credit report. I would like this information deleted and removed from my reports as they are not able to locate and provide needed information concerning this account. I have spoken to supervisors who never called me back to provide any updates on account to see if it was found.

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 2022-05-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: VYSTAR CREDIT UNION
State: GA

Complaint narrative:
I am a member of Vystar credit union for over 12 years I dont live in XXXX XXXX , and I am trying to access my account to wire the funds to my account in XXXX XXXX and the bank each time I call comes with three different stories. 1. The bank says the account doesnt longer exist 2. The other time the person in customer service access the account and wired the money to my bank in XXXX XXXX but I never received the funds and a day later another banker said they cant give me any information. 
I feel the bank stole my money since they know I live abroad and I am only temporary back in USA and they deny my right to access my account even after passing all the verification they asked for. The account should have over US XXXX that I cant access and I need an immediate solution and retrieve and cancel this account.

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 2022-05-18 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: CITIBANK, N.A.
State: LA

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # ending in XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-05-18 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: AZ

Complaint narrative:
I vacated my residence of XXXX XXXX XXXX XXXX XXXX AZ XXXX on XX/XX/XXXX. During that year I paid the mortgage payment but my wife at the time was living there with the kids. During XX/XX/XXXX- XX/XX/XXXX we were doing temporary orders to resolve who was going to live where and who was going to pay for what. During that time, I had a myriad of bills and transitioned most my billing to a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. XXXX did not send the bill to the new address, and I had turned autopay off on XXXX XXXX because we were in the middle of temporary orders, and it was possible that she would have to pay the mortgage, and were I to pay it, then I would never see that money back from her. XXXX Mortgage made ( 1 ) attempt to call me to collect payment and then submitted a delinquent payment to the bureau. Now, once I was notified by the credit agency of the delinquent payment report I contacted them, explained the situation and they remove the delinquency on the report. Then, I moved back into the home after temporary orders and caught the account up. There was no problem for a few months until during the divorce it was required, we sell the property. XXXX Mortgage then reissued the delinquent payment after the property was sold ( 1 ) Year after the initial delinquent payment was reported. They did not ding my ex-wife 's credit score, they dinged mine. In any case, the delinquent payment should be removed because the circumstances were such that a divorce and billing error was the cause of the issue. I have attached letters from my attorney, as well as the divorce exhibits to show that this timeline existed as I stated earlier. Please remove the 30 day late payment on my credit score immediately due to extenuating circumstances.

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 2022-05-18 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: AZ

Complaint narrative:
I vacated my residence of XXXX XXXX XXXX XXXX XXXX AZ XXXX on XX/XX/XXXX. During that year I paid the mortgage payment but my wife at the time was living there with the kids. During XX/XX/XXXX- XX/XX/XXXX we were doing temporary orders to resolve who was going to live where and who was going to pay for what. During that time, I had a myriad of bills and transitioned most my billing to a XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AZ XXXX. XXXX did not send the bill to the new address, and I had turned autopay off on XXXX XXXX because we were in the middle of temporary orders, and it was possible that she would have to pay the mortgage, and were I to pay it, then I would never see that money back from her. XXXX Mortgage made ( 1 ) attempt to call me to collect payment and then submitted a delinquent payment to the bureau. Now, once I was notified by the credit agency of the delinquent payment report I contacted them, explained the situation and they remove the delinquency on the report. Then, I moved back into the home after temporary orders and caught the account up. There was no problem for a few months until during the divorce it was required, we sell the property. XXXX Mortgage then reissued the delinquent payment after the property was sold ( 1 ) Year after the initial delinquent payment was reported. They did not ding my ex-wife 's credit score, they dinged mine. In any case, the delinquent payment should be removed because the circumstances were such that a divorce and billing error was the cause of the issue. I have attached letters from my attorney, as well as the divorce exhibits to show that this timeline existed as I stated earlier. Please remove the 30 day late payment on my credit score immediately due to extenuating circumstances.

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 2022-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Heartland Resolution Group, LLC
State: MI

Complaint narrative:
I sent HEARTLAND RESOLUTION GROUP a cease and desist ( pursuant to 15 USC 1692C ( C ) ) and a demand for validation of the alledged debt ( pursuant to 15 USC 1692g ) regarding a debt they contacted me through mail about. In my response to them, I demanded all communication be done through " mail only ''. They ignored my request and continued to harass me by calling my phone 27 times from XXXX XX/XX/2022 after receiving my cease and desist which is a violation of 15 USC 1692d ( 5 ) They never responded to my request for validation of the alleged debt and they have had more than enough time to validate the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime has stolen my funds and will not give them back I can not wait 30 days I have a XXXX XXXX XXXX  child who will be out of diapers in less than XXXX hours and a daughter whose birthday is XXXX I have filed a police report and provided all needed self verifying information to chime to support my claim yet I was told I would not be held responsible for any activity on account but I have no money or help this is beyond a nightmare

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
in Late XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX XXXX, I was unemployed in XXXX and XX/XX/XXXX, and I was out of the country for XXXX XXXX XXXX. This is the reason I wasn't able to make the payment on time. As seen in my credit report record, I haven't had any other, more than 30 days, late payment on my account and it is currently up to date. I have tried to contact Wells Fargo and explained to them that due to COVID and my financial situation remove and fix the late payment due to the above situations without receiving any type of help from their end. ( COVID relief ) Currently, I am financially stable and this is affecting a lot of my credit report, therefore, affecting my credit situation severely.

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 2022-05-18 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: WI

Complaint narrative:
The Credit bureaus stated all my negative account, was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 

They also violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 2 ) ( a ) : The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.

They also violated my rights under 15 U.S.C 1681 Section 611 ( 5 ) ( a ) ( I ) ( ii ) : The law clearly states if item are found inaccurate or can not be verified the consumer reporting shall promptly delete the information 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 2022-05-18 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: RoundPoint Mortgage Servicing LLC
State: AZ

Complaint narrative:
I vacated my residence of XXXX XXXX XXXX XXXX XXXX AZ XXXX on XX/XX/XXXX. During that year I paid the mortgage payment but my wife at the time was living there with the kids. During XX/XX/XXXX- XX/XX/XXXX we were doing temporary orders to resolve who was going to live where and who was going to pay for what. During that time, I had a myriad of bills and transitioned most my billing to a XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX. Roundpoint did not send the bill to the new address, and I had turned autopay off on Roundpoint Mortgage because we were in the middle of temporary orders, and it was possible that she would have to pay the mortgage, and were I to pay it, then I would never see that money back from her. RoundPoint Mortgage made ( 1 ) attempt to call me to collect payment and then submitted a delinquent payment to the bureau. Now, once I was notified by the credit agency of the delinquent payment report I contacted them, explained the situation and they remove the delinquency on the report. Then, I moved back into the home after temporary orders and caught the account up. There was no problem for a few months until during the divorce it was required, we sell the property. Roundpoint Mortgage then reissued the delinquent payment after the property was sold ( 1 ) Year after the initial delinquent payment was reported. They did not ding my ex-wife 's credit score, they dinged mine. In any case, the delinquent payment should be removed because the circumstances were such that a divorce and billing error was the cause of the issue. I have attached letters from my attorney, as well as the divorce exhibits to show that this timeline existed as I stated earlier. Please remove the 30 day late payment on my credit score immediately due to extenuating circumstances.

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 2022-05-18 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian had on my report that XXXX XXXX was going to be removed from my report this XX/XX/2022, however it continues to be on my report when it was supposed to be removed off my 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 non-monetary relief