vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-25 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: KY

Complaint narrative:
I sent a letter to TransUnion about unauthorized hard inquiries on my credit report on XX/XX/XXXX. The hard inquiries were not verified within 30 days and it was not deleted. 

XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2021-01-25 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: SC

Complaint narrative:
On XXXX I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the XXXX data breach and may have gotten 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 explanation
Consumer complaint received 2021-01-25 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: World Acceptance Corporation
State: GA

Complaint narrative:
There are inaccuracies on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I will call my lawyer ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Someone opened a PayPal acct/credit card using my information. I am a victim of identity theft. I was contacted by XXXX XXXX XXXX XXXX, who threatened legal action. I did contact the fraud dept. and they are investigating the claim. I do not know at this time how many other fraudulent accts. are open in my name. I do not have any documents regarding this matter. I was contacted by phone.

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 2021-01-25 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: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020.

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 2021-01-25 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: GA

Complaint narrative:
These accounts have been disputed on XX/XX/XXXX with no response from TransUnion and since sent another dispute on XX/XX/XXXX. They have gotten my letter along with my identification which was a copy of my current military id, copy of my Social security card and copy of my water bill. 

XXXX XXXX XXXX Account Number : On XX/XX/XXXX I reached out to TransUnion because the date of last activity shows XX/XX/XXXX on XXXX  but on TransUnion shows XX/XX/XXXX. The balance on this Collection continues to increase with my credit report on XX/XX/XXXX has a balance on TransUnion of {$4900.00} and XXXX  has a balance of {$5000.00}. The report sent by XXXX after my dispute the account now shows a balance of {$5000.00}. When I pulled my credit report on XX/XX/XXXX the balance showed {$5000.00}. Which has increased since the XX/XX/XXXX report. How does this collection account continue to increase the balance every month? 

This account is inaccurate and TransUnion has failed to response within the 30 Days to verified this information and has not responded in over 56 days from my dispute and needs to be removed 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 explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
So someone reached out to me on XXXX. She gave proof of peoples accounts and how she was willing to give money back if there was a down payment. 

After a week she kept responding and messaging and proving that it wasnt a scam. On Friday, the XXXX I did a XXXX transaction of {$2000.00}. And then Saturday morning, the XXXX, I did another XXXX transaction of {$1500.00}. The girl then said a check would be deposited of {$36000.00} into my account. By Saturday night, it never came thru. 

Her name was XXXX XXXX  on XXXX. She was some car insurance provider and talked about how she has extra car insurance vouchers and was giving it out monthly. 

Please help me with this situation, she literally took all of my savings and my money I was supposed to send to my mom bi-weekly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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:
I Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. I am very disappointed. I will call my lawyer ASAP!

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 2021-01-25 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
got a hone call from XXXX stating they are trying to collect a debt on a Citibank credit card ( which I don't even have a Citibank credit card ) and they said they were a law firm offering to settle the debt before it went in to collection. Complete fraud and scam, I hung up on them and blocked the number. Very rude on the phone and could tell it was a call center from the noise in the background. 
Thanks for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XXXX I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: Synovus Bank
State: NC

Complaint narrative:
There are 3 accounts that are reporting on my credit that do not belong to me. I have contacted each of the creditors by mail on 8 occasions requesting validation and how they assume that I am the person responsible for the debt. Each of the creditors have not provided me with any information that would substantiate the debt belongs to me. I have made numerous calls only to be told that the application was submitted by internet and that is the most they could tell me. I have not applied for either of 2 cards ... XXXX and XXXX XXXX. I did however call in a card for 1st progress..never used the card ..returned the card and the company is reporting the card as delinquent. This is affecting my score and I feel lost with no one to assist. Please help. These do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
In XXXX or XXXX, XXXX 2020 my credit card was charged an estimate of {$980.00} from XXXX, I did not make or submitted any purchase order. I haven't even used my card in over 6 months and never for any purchase in that amount. When I receive an alert from credit karma stating my credit card usage have increase I immediately investigated and realized the purchase was made with my old credit card because at the time the new credit card they sent me was not activated ; I contacted Capital One. Capital One is refusing to dispute the charges or remove the charges from my account stating someone benefited from the purchase. I explained to them I have not used the card or authorized anyone to use my card. They refuse to remove the fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANT NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS. I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREUS AND STILL HAS YET TO RECEIVE ANY RESPONSES.

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 2021-01-25 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: Specialized Loan Servicing Holdings LLC
State: GA

Complaint narrative:
in XX/XX/XXXX SLS charged off an account of mine for a 2nd mortgage. In XX/XX/XXXX we paid massive penalties and reinstated account as of XX/XX/XXXX. The account has been in perfect status ever since for 13 months. We received notice on our credit report that on XX/XX/XXXX and again on XX/XX/XXXX our account was again charged off by SLS. 
We have documentation from SLS that account was charged off in XXXX. I had employees of SLS stating that an account can only be charged off once. After numerous calls and pleadings to fix the problem little to no headway has been made. the XX/XX/XXXX filing was removed but I was informed the XX/XX/XXXX filing will not be removed. I asked if I need to sue them to fix this and now they will no longer speak to me. 
This company has a 1 star out of 5 star rating in the XXXX  and is near impossible to communicate with. You can not speak with any one over a operator and must sit and wait for some one to return a call in a few days or ever. 
The problem with this is my credit score dropped over 100 points and now with a mortgage charge off I can not get a refi on the house. There is a balloon payment XX/XX/XXXX so I can not refi the house and guess who can foreclose and take my {$75000.00} equity? Yes SLS.

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent letters to XXXX, Transunion, and XXXX. I have multiple errors on my reports, missing information and information that needs to be removed. I also have a " derogatory mark '' on my reports but does not say who it's from nor will they tell me. I reached out to my creditor and they told me they sent letters 3 times to XXXX, Transunion and XXXX  to have the collection removed. Once again I do not know what the derogatory mark is on my report. I would like it removed asap. I also have 7 hard inquires on my report. I want them removed as well. XXXX, Transunion and XXXX  are not doing their job. I am very dissatisfied with their lack of knowledge and their poor customer service.

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 2021-01-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2020 I sent letters to Equifax, XXXX, and XXXX. I have multiple errors on my reports, missing information and information that needs to be removed. I also have a " derogatory mark '' on my reports but does not say who it's from nor will they tell me. I reached out to my creditor and they told me they sent letters 3 times to Equifax, XXXX and XXXX to have the collection removed. Once again I do not know what the derogatory mark is on my report. I would like it removed asap. I also have 7 hard inquires on my report. I want them removed as well. Equifax, XXXX and XXXX are not doing their job. I am very dissatisfied with their lack of knowledge and their poor customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: General Motors Financial Company, Inc.
State: CT

Complaint narrative:
GM Financial is currently reporting me as " late '' on my credit bureau. I have yet to receive a final bill in the mail, my lease ended XX/XX/XXXX. Somehow, even though I have made the 39 payments and turned in the vehicle, they are still reporting me as XX/XX/XXXX days late and ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: MA

Complaint narrative:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25 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: AL

Complaint narrative:
In XXXX and XXXX of 2020, I disputed a unverified collection item, XXXX, XXXX Account number XXXX, with this credit bureau and as of today, I have not received any response from them. Also In the Dispute letter I included the proper documentation to have the investigation started I also sent a 30-day non-response dispute letter to this bureau in XXXX of 2020 and I have not received any contact back about my dispute. I'm contacting the CFPB to help me with this issue to remove thisUnverified collection item because of the Fair Credit Reporting Act that states 30 days of investigation response and the item should have been deleted or verified. thanks

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 2021-01-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
We refinanced last fall with XXXX, and our mortgage was being serviced by XXXX XXXX XXXX. We then learned that our mortgage was being transferred to Mr. Cooper. It took a very long time - nearly two months from when we received notification that our loan was being transferred - before we were able to access our information on the Mr Cooper site. ( We got the transfer letter XX/XX/XXXX, and it was XX/XX/XXXX before I was able to set up my account with Mr Cooper and make payments. It's possible that I could have set the account up a few days before then - I was trying at least once/week, but wasn't trying every day. ) During the long period when we weren't able to access any information about our loan on the new servicer 's web site, I had extended conversations on the phone with representatives from both XXXX XXXX XXXX and Mr Cooper in which I was assured that everything was fine, not to worry, there's a 60 day grace period in which there aren't any late payment fees or negative credit effects or anything in order to allow time for everything to transfer over. 

After setting up our Mr Cooper account and making payments, and it seeming as if everything had finally been resolved, we received a letter dated XX/XX/XXXX stating that our loan was in default. I was pretty sure this was some kind of clerical error, and talking to representatives from Mr Cooper on the phone today it sounds as if that's correct, but still - it's absolutely terrifying to get a letter saying that we're in default on our mortgage, after getting repeated assurances that everything is fine and we have a 60 day grace period and it's all going to go smoothly and not to worry. 

So I want to ( a ) make sure that it's really true that there aren't going to be any negative effects - that the only mistake was sending out the letter to us, and that there weren't also negative reports erroneously sent out to credit agencies, ( b ) ensure that if there were any additional erroneous reports, they're corrected, and ( c ) register a complaint about the sending of such a terrifying document when our loan was not in fact in default. Even if it turns out that there aren't any tangible negative financial consequences for us, it's still not ok to send out letters that are going to scare the daylights out of people when in fact all that's happening is that the mortgage servicers are taking a long time to sort out the exchange of information ( or whatever it is that makes it take so long for the transfer to complete ). I've also now lost much of a work day on the phone trying to sort this out and make sure that we actually aren't facing a total, life-altering financial catastrophe. So another motivation for filing this complaint is to provide some impetus for Mr Cooper to change their practices around sending these " you're in default '' letters in order to prevent other people from having to go through this sort of terrifying experience.

Company response to consumer: Closed with explanation