vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 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: PA

Complaint narrative:
My name is XXXX XXXX and I'm writing in regards to XXXX XXXX, whom you are furnishing inaccurate and incorrect information to the consumer reporting agencies. The account is charge-off/collection account. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood & caused me anxiety. I wrote XXXX XXXX via certified mail on XX/XX/XXXX a Debt Validation requesting for a Validation and they IGORNED my Debt Validation Request. On XX/XX/XXXX at XXXX I wrote XXXX XXXX XXXX , Chairman and Chief Executive Officer & XXXX XXXX Executive Vice President and CEO of XXXX XXXX XXXX and I got no response from them. In my letter I stated they had 10 days to remove the unverified item and again I heard nothing. This is the 2nd time XXXX XXXX ignored my requests. In this complaint I attached a copy of the certified mail receipt along with my debt validation request that XXXX XXXX ignored. Along with a copy of the email I send to them that was also ignored. XXXX XXXX has violated my consumer rights, not once but twice! Please stop violating my rights and remove this item from my consumer report. By law the CRA 's, creditors whom ever has 30 days to complete a 30day investigation, & XXXX XXXX failed to do so. The 30 day mark has come and gone over 4months ago! Therefore XXXX XXXX XXXX XXXX, Trans Union LLC XXXX XXXX XXXX XXXX XXXX by law shall remove this item from my consumer report. I'm not repeating myself again! You think I'm playing watch me? I will continue to build my case and Sue all three of yall for damages! There is a laundry list of damages caused upon me from yall reporting this item! CC : Pa attorney General, FTC & the 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 2022-03-11 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: FL

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report.to this day over 30 days later I have not received a response yet I feel like im being takenadvantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2022-03-11 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:
TRANSUNION, I demand that you exercise your GRAVE responsibility, IMMEDIATELY block and DELETE these inaccuracies, this fraud from my credit report and file. Until TRANSUNION abides by the law and cease unfair and inaccurate reporting, as a consumer I continue to suffer. I look forward to your immediate attention regarding this matter. 

PLEASE SEE ATTACHMENTS

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : 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 2022-03-11 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: MO

Complaint narrative:
The XXXX XXXX with account number XXXX appears to be a charge-off account with a specific balance of {$510.00}. The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in one of the Bureaus. As per FCRA, the bureaus and the furnisher are to provide 100 % accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: TX

Complaint narrative:
Im accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 section 602 A. states I have a 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.

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

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 2022-03-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C. 1681 section 602 A. states I have a 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.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: MI

Complaint narrative:
I previously sent my written request to Experian about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : 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 2022-03-11 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: NY

Complaint narrative:
I didn't give permission to this company to have my medical report, It is a violation of my right, and I will like to have them 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 2022-03-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I didn't give permission to this company to have my medical report, It is a violation of my right, and I will like to have them 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 explanation
Consumer complaint received 2022-03-11 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:
I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : 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 non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
CHASE AUTO has failed to Apply several tendered payments CHASE AUTO failed to reply in writing to previous notice of rescission of ALL security interest thereby forfeiting ALL claims. to date the company still has failed to abide by applicable federal regulation 12 CFR 226.23.

CHASE AUTO 's failure to respond is now considered tacit admission of Fraud, Counterfeiting, breech of agreement and false representation to name a few Again, pursuant to The Fair Debt Credit Collection Practices Act 809, Validation of Debts [ 15 US C 1692g ] subsection ( b ) and as referenced in your correspondence verification within 30 days to the address above : Verification requires " Confirmation of correctness, truth, or authenticity by affidavit, oath or deposition. In accounting, [ it is ] the process of substantiating entries in books of account '' ( XXXX 's XXXX XXXX, XXXX XXXX ). This verification should include, but not be limited to, signing the enclosed affidavit verifying the terms and conditions of the alleged loan and answers to ALL the following list of questions attached. 

I've retained copies off all correspondences sent, dates, certified mail receipts, phone call recordings that will be used as exhibits should legal proceedings become necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I was a victim of a XXXX XXXX XXXXXXXX data breach. My information was compromised and sold through the dark web. XXXX, XXXX and Transunion do not have sufficient safeguards in place to ensure that bad actors who have possession of personal and financial information do not have the ability to access credit reports and remove fraud alerts and security freezes. 

The use of a unique PIN is in place for Transunion and XXXX, however the bad actor is easily able to access an account through a line of questions ( no different than accessing normally ) to obtain the PIN and remove the freeze and fraud alert. 

It is grossly negligent with the prevalence of identify theft in the United States that better safeguards and protections are not in place to prevent this from occurring after alerting the credit bureaus of the issue multiple times. I am having to contact each credit bureaus multiple times per week to reapply freezes and alerts in order to stop the fraudulent credit and loan application activity the bad actor is conducting. 

A better security process needs to be implemented for victims of this level of identity theft with the credit bureaus, it is unacceptable.

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 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I was a victim of a XXXX XXXX XXXXXXXX data breach. My information was compromised and sold through the dark web. XXXX, Experian and XXXX do not have sufficient safeguards in place to ensure that bad actors who have possession of personal and financial information do not have the ability to access credit reports and remove fraud alerts and security freezes. 

The use of a unique PIN is in place for XXXX and Experian, however the bad actor is easily able to access an account through a line of questions ( no different than accessing normally ) to obtain the PIN and remove the freeze and fraud alert. 

It is grossly negligent with the prevalence of identify theft in the United States that better safeguards and protections are not in place to prevent this from occurring after alerting the credit bureaus of the issue multiple times. I am having to contact each credit bureaus multiple times per week to reapply freezes and alerts in order to stop the fraudulent credit and loan application activity the bad actor is conducting. 

A better security process needs to be implemented for victims of this level of identity theft with the credit bureaus, it is unacceptable.

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 2022-03-11 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I paid the Real Estate Taxes for my XXXX, NY Residence directly to their Office, for the First Half, TIMELY and IN FULL.

Sometime later Champion Mortgage inundated me with threats of eviction and " claimed '' that they had had to pay the same Tax. 
I spoke to the XXXX Tax Assessors Ofice on XX/XX/2022 and they confirmed the payment from me, the write, and stated that they had NO such payment from Champion Mortgage on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIRST HAWAIIAN, INC.
State: HI

Complaint narrative:
In XX/XX/2021, I applied for a mortgage with First Hawaiian Bank ( FHB ). After submitting my complete financial and employment history, my mortgage loan officer, XXXX XXXX ( XXXX # XXXX ), recommended that I pay for a rushed home appraisal ( {$700.00} ) and mortgage lock rate ( {$1700.00} ). Per XXXX XXXX 's guidance, I submitted a check for the mortgage lock rate on XX/XX/2021 and paid for the rushed home appraisal on XX/XX/2021 via my credit card. It was my understanding that after submitting both payments my mortgage was finanalized -- XXXX XXXX stated nothing to make me believe otherwise. However, prior to submitting these fees, XXXX XXXX failed to disclose : ( 1 ) she had little to no communication with the FHB mortgage underwriter up to that point, ( 2 ) the loan was not even close to being finalized, and ( 3 ) there is a possibility I will not receive 100 % refund should my mortgage be denied. Thus, it was out of blind faith, and trust in XXXX XXXX 's advise, that I paid both fees. It was not until XX/XX/2021 that I received the preconditional loan approval -- weeks after being advised to submit the fees. Similarly, it was not weeks later that I learned the FHB mortgage underwriter had concerns regarding my financial eligibility and my mortgage approval was in jeopardy. My mortgage was ultimately not approved. The fact of the matter is, if I would have been correctly advised, I would have never submitted either payment. I've raised my concerns with FHB, and attempted to dispute the fees with XXXX XXXX 's supervisors, but they insist they have done nothing wrong and there is nothing they can do to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Ever since I had my account with Chase I write myself a check from my XXXX XXXX XXXX account to transfer money into chase. They returned my check as you can see in the attachments but took the XXXX} out of my XXXX account and never deposited it into my Chase account. I have called their customer service center over 10 times I have been going back and forth with them for 10 days now. I also went into the Chase branch and an employee told me if it is not resolved to contact him on Friday and he would do the footwork for me. I contacted him today and he directed me to the same XXXX number that I have already called multiple times. I verified with XXXX  that they cleared my check and debited my account for the XXXX}. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I made a purchase from XXXX for a speaker for {$41.00}. This website is a scam website. I was charged via XXXX by a completely unrelated person. They provided a tracking number which delivered a package to an address not mine. I disputed with Chase. Chase sent me a letter stating that the package was delivered to my address because the scam merchant sent them the tracking number. XXXX confirms the package was not sent to my address or have anything referencing me. 

I contacted Chase about this. They said, Oh, well you can redispute it if you like. They could not answer why they sent me a letter saying this package was delivered to my address when XXXX confirms it was not. Chase did not do proper research in this issue. Chase needs to charge back this scam merchant and give me my {$41.00} back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: MA

Complaint narrative:
XXXX services a mortgage I have on a residential property. I use their auto-pay service, set up using their web site. 

On XX/XX/XXXX, I logged in to adjust the automatic payment amount. The web site told me as part of this process that it was cancelling my existing automatic payment. It was not clear to me whether this meant my XXXX payment was cancelled and I needed to make a new one time payment, so I called customer service. 
XXXX customer service on XX/XX/XXXX told me that yes, my XX/XX/XXXX auto-payment was cancelled and would be automatically refunded to me. They said I needed to make a new one time payment for XXXX, and auto-pay would resume in XXXX. Following their instructions, I made a one time payment. 

On XX/XX/XXXX, I saw that my checking account balance was very low, and that the XX/XX/XXXX auto payment had actually gone through, in addition to my subsequence one time payment. I called customer service to confirm that the first payment would be automatically refunded to me, and they told me that no, it would not be. So, I had been fooled into double-paying. 
After escalation to a manager, they agreed to wire the money back to my account that Friday ( XX/XX/XXXX ). They asked for, and I provided, a PDF of a screenshot of recent transactions from my bank 's web site, showing that the original auto-payment had posted. 

On XX/XX/XXXX, when I did not receive the money, I called again. After escalation to a manager, they told me that their refunding department had rejected my PDF because the page did not say the full name of the bank. They did not inform me of this until I called them on the afternoon of XX/XX/XXXX. I explained to them that my bank 's web site does not show the bank 's name, only their logo, on the page that lists recent transactions. They said there was nothing they could do about that. 

I also called the bank to find out if they could provide me a PDF of recent transactions that shows the bank 's name, but they said all they can give me is what's on the web site, or I could wait for my monthly statement- which will be on XX/XX/XXXX. 

I've tried several more times to get XXXX to refund my money quickly. They are unwilling to take responsibility for the fact that their misinformation fooled me into paying them, and they are unwilling to fix the problem. Even though their own systems clearly must show that they withdrew this payment from my account, and that they have my money, they still insist on receiving a PDF from me to prove what they already know, and they require a PDF they know I can not provide because my bank 's web site doesn't display its name on the transactions page.

Company response to consumer: Closed with explanation