vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-16 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: NY

Complaint narrative:
Transunion is in violation of 15 USC 1681 ( a ) ( 4 ) Transunion Infringed upon my consumer right to privacy 15 USC 1681b ( a ) ( 2 ) Transunion had no permissible purpose/no written instruction from the consumer 15 USC 1681a- ( e ) On XX/XX/21 Transunion sent correspondence stating they completed an investigative consumer report. 
Transunion used a third party credit reporting agency to complete an investigative consumer report which according to 15 USC 1681a- ( e ) such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer Transunion also uses XXXX XXXX to investigate public record items. XXXX XXXX was acquired by XXXX XXXX and XXXX XXXX removed the bankruptcy from my record pursuant to the aforementioned reasons, yet Transunion illegally verified the item and continues to report this information. Transunion is not being honest with how they investigate and validate information and has disregarded the information they state they received from their third party vendor, in their letter dated XX/XX/21.

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 2022-01-16 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: PA

Complaint narrative:
in XXXX of XXXX I disputed inaccurate information being reported on my credit report bXXXX XXXX XXXX I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX They still can not prove the alleged payment in XXXX of XXXX I have documented proof on their letterhead stating they never received a payment in XXXX yet it shows that inaccuracy on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
Good evening my name is XXXX XXXX, XXXX for short. Myself and my lawyer had a dispute against the Toyota XXXX XXXX because they conducted business in an unsavory fashion. Not providing correct documentation. So my lawyer reached out to the XXXX dealership as a courtesy to them and they refused. So my lawyer tried again and they agreed in a legally binding contract to pay the vehicle the XXXX XXXX XXXX payments off in full! Im which I receive a settlement of {$10000.00} and a letter exonerating me of all payments for the XXXX. Later my lawyer and I found out that Toyota Motor Credit still had a balance of {$23000.00} on my credit report. Again the lied and failed to uphold the agreement of the legal contract! Ive have uploaded prof of the documentation to the dispute center. I would like for this to be removed from all three Credit Reports because it is damaging my credit with a negative impact on my credit score and has been and it is not allowing me to acquire certain attributes as a home for my family and I. Ive served in the military for over 15 years now and Ive never experienced such blatant disrespect for a service member. I can only imagine how they conduct business with a civilian! 


Very Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
On XX/XX/25 I noticed my card was stolen with money on the XXXX play platform, and informed the customer service which company issued the vallina gift card. I followed their instruction to submit the dispute form, and was informed that the investigation takes about 90 days after receiving the form, which they confirmed it was XXXX as the starting date. However, I haven't received any response or investigation result from the investigation team, which I tried to contact them every month before and after the period of 90 days. What disappointment is the company separate the customer service team and investigation team, and no any contact information for the investigation team. What even worst from the customer service is they have neither approach to contact the investigation team and nor the right to retrieve the investigation result. In the last contact, the customer even hang out my phone call to follow deeper the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: CITIBANK, N.A.
State: MN

Complaint narrative:
As you can see I have been paying the account consistently on the due date through auto pay for 3 years since the balance was incurred. 
On XX/XX/2021 I called to pay the account off in full. I made payment over the phone with a representative to pay off the account. I was told the balance at that tie was XXXX. I paid over the phone what the representative on the phone told me was the balance, which was XXXX. Whomever took the payment over the phone made a mistake with the balance due, or was confused about the due date. I suspect she was looking at the wrong month/balance and /or typed in the payment to be debited on XX/XX/2021 as oppossed to XX/XX/2021 and also rounded the amount to XXXX. Why after years of paying on the account would I miss a payment and pay a different amount than what I have been paying for years. 
I assumed the account was paid off. I did recevie correspeondence regarding this, but assumed it was in error because I had called and paid off the balance. 
I have since paid 3 late fees over this mistake and it has cost me a negatie credit report. 
Considering my payment history and the fact that a mistake has occurred on your end, I am asking that the late fees be returned and the negative reporting be reversed.

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 2022-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: DISCOVER BANK
State: TN

Complaint narrative:
I applied for a secured credit card with discover card.com. I was approved with deposit of {$200.00} the amount had to be paid prior to the application being fully approved. The {$200.00} was deducted from my account via XXXX and I was told my application was approved via email and my card was on its way. I received my car within a week and activate it with no issue I was advised I should be able to use my card. The following day in attempting to use the card it would not work. After calling discover customer service I was advised that they would need to receive copies of 2 years tax return directly from the IRS resulting in me needing to fill out a 4056-t IRS form XXXX I was advised that after paying my {$200.00} I would be able to use the card but this was a lie. The email that I received requesting that I fill out the 4056 did not have a discover logo or come from a discover email address so I ignored the email as it seemed fraudulent. I am blocked from using the card and if I refuse to give them the information my account will be revoked. Even in giving them the information it does not mean that my account will be able to continue. It was not advised that this was part of the application process and why send me the card if I was not approved. This is very invasive and fraudulent it seems on the part of discover they should not have customers.Asking for a refund of my newly submitted deposit should not take two billing Cycles when I have never had access to the card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: CA

Complaint narrative:
Horrible lender, you can't speak to loan officers, they don't respond after they do whatever it takes to get your business. Process takes over 60+ days ... Stay away, stay away, stay away!! Bait and switch between what they advertise and what they offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: NC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
In XX/XX/XXXX my Bank of America XXXX card was hacked and XXXX was transferred to someone elses account. This has happened before and after 4 different times for much lower amounts. Each time I got a new card. Reset passwords and security questions and BOFA returned lost money but the claim for XXXX was denied by BOFA and no reason was given. I was told by a claims rep that they had changed systems and submitted a new claim that was denied because the first claim was denied. BOFA submitted a claim denial review on 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 monetary relief
Consumer complaint received 2022-01-16 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: NC

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: MD

Complaint narrative:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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: PA

Complaint narrative:
in XXXX of XXXX I disputed inaccurate information being reported on my credit report by XXXX XXXXk I demanded for them to delete it they now owe me multiple violations for {$1000.00} each ...... It is now XXXX of XXXX They still can not prove the alleged payment in XXXX of XXXX I have documented proof on their letterhead stating they never received a payment in XXXX yet it shows that inaccuracy on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 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:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted TransUnion, XXXX, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP

Complaint narrative:
US Bank has denied receiving four mortgage payments for which I have the canceled checks. The months in question are XXXX through XXXX of 2021. I was on the " loan forbearance program ''. US Bank has repeatedly frustrated my attempt to come off this program by making unreasonable demands for documents and unethically attempting to get me to add additional people to the " loan modification papers '' so that they, too, would be obligated to pay the mortgage. Neither my previous spouse nor current spouse were parties to the original mortgage agreement. Furthermore, US Bank sent " loan modification '' papers to the wrong address -- twice -- and when they finally sent me papers at my XXXX address, they included a form for a notary public located in the XXXX of Georgia. Now they say they need a " quit claim '' deed from my former spouse although she was never awarded title to the property. That action would also abrogate the divorce degree, saying that she was entitled to net proceeds from the sale. US Bank accepted mortgage payments from me for 16 years without need any kind of " quit claim '' deed. They wanted to put me in an impossible situation with my former spouse so they could continue to charge me 6 % interest instead of the 3.125 % interest they are supposed to charge for those coming off the mortgage forbearance program. Also, while claiming to have not receive any mortgage payments from XXXX through XXXX, they also demanded that I pay a lump sum of over {$29000.00} by XX/XX/XXXX to avoid foreclosure. US Bank is violating federal law and needs to be held accountable for their illegal and unethical actions. None of US Bank 's replies to my former complaint actually addressed the real issues, and I do not think the complaint should have been closed. I do NOT think the CFPB is doing the job it was chartered by CongresXXXX to do -- it's supposed to be an advocate for consumers, not a shill for unethical banks.

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 2022-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
This is my third complaint against Citibank. I'm disputing {$1500.00} ATM withdrawal that was done on my son 's debit card after he lost his debit card. This transaction is fraudulent and we don't know who did it and we're disputing this transaction. Also the {$4700.00} wire fraud. 

Also I filed 2 previous CFPB complaints regarding this disputes. This bank is XXXX and prejudice. Their last response to complaint XXXX, " In addition, on XX/XX/XXXX, XXXX sent you a letter requesting an affidavit, statements, or an unauthorized use ( SUU ) form. If you have not done so already, please respond to the letter from our XXXX team and provide the documents requested as soon as possible ''. 

How did they send it as it's XX/XX/XXXX, I'm signed up for informed delivery by USPS and you'll see they never sent it it's a motive to make us pay for something we didn't do we are the victims. This bank should be investigated for XXXX discrimination and XXXX profiling. I'm going to attach my son 's picture and I want them to verify it was him that made the deposits of the fraudulent checks and withdrawing the {$1500.00} cash from the ATM.

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 monetary relief
Consumer complaint received 2022-01-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX. 
I found 2 unauthorized purchases transections on my WaywGo card of CA. 
It happened on XX/XX/21 ( {$200.00} ) and XX/XX/21 ( {$120.00} ). 
I requested disturbing these. 
I reported that I never been there before. 
I showed my XXXXXXXX XXXX XXXXe at that days. But my cas was denied. 
I can not understand why. 
Those were fraud transections. 
I can show you my XXXX XXXX XXXX where I was at that time. 
Way2Go did not credit back to me. 
Claim number was XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
Everything started XX/XX/2022 at XXXX I received an email from AMEX XXXX American Express XXXX stating that a new account has been open. I surely called the number on the email which was there Identity Protection Team XXXX I spoke to a man and he wanted my personal info like XXXX, XXXX, etc which I declined and only opted to give my last 4 SSN. I quickly hanged up and called the number on the back of XXXX of my AMEX cards to be sure. I quickly explained to the rep qhat is going on and connected me to there fraud dept. and I filed a report on this new account. Later on in the evening I receive a hard inquiry on my credit report finding out through XXXX XXXX at XXXX from XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX GA XXXX. Never heard of that bank before. Then XXXX minutes later another email pops up stating that a other AMEX product has been processed and approved. I believe now that I am a victim of Identity Theft. That is all the information I have as of now. Help please.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Please remove negative items off my report I have reported identity theft multiple times and my claims have not been returned or has been completely ignored I have submitted documentation as well this has been a very hard time in my life please remove off my report

Company response to consumer: Closed with explanation