vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MA

Complaint narrative:
In XXXX of this year, my division at the University where I had been employed for 18 years was forced to downsize due to COVID. As a result, I took early retirement and sought employment in the private sector. I was hired for a new position starting in XXXX. Knowing that my budget was going to be tight until I again began receiving a paycheck and until my pension kicked in 90 days after retirement, I tried to contact my loan servicing company to work out a solution. In countless phone calls to LoanCare customer service I was either placed on hold for over an hour or disconnected after following prompts to speak to a representative. I tried over and over to contact LoanCare but was unsuccessful. Left with little alternative, I continued to send payments toward the account in amounts that I could afford and when I could. LoanCare , LLC continued to send letters of default and I continued to try to contact them to no avail. I finally contacted my mortgage broker who originally processed the loan and he was able to arrange through his parent company a conference call with me, him and a LoanCare representative. During the course of this call, it was revealed that, while payments were being withdrawn from my bank account, they were not being credited to my mortgage account. I indicated that I now had the resources ( with a regular paycheck and pension ) to bring the account current by the end of XX/XX/XXXX. I have made these payments and had a conversation with a LoanCare representative " XXXX '' on XX/XX/XXXX in which she confirmed that the account was current and no payment would be due until XX/XX/XXXX. However, when logging into the LoanCare website, the site still indicates that there is a XX/XX/XXXX payment due. I have been messaging Loancare daily through their website for clarification regarding this matter, however no response has been forthcoming. A quick XXXX search for LoanCare , LLC shows that there are numerous customers who have similar issues trying to communicate with this company.

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 2021-12-07 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to TransUnion was XX/XX/2021, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX of XXXX : XX/XX/2021 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 2021-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
I am being charged for college tuition from XXXX XXXX XXXX XXXX, collection agency Hudson Valley. They are claiming on my credit report that I owe a total of {$3600.00} from two accounts ( {$2700.00} and {$860.00} ). I asked the collection agency to send me paperwork regarding these charges, which I did on XX/XX/2021. The bills from XXXX XXXX XXXX XXXX I received from Hudson Valley Collections shows one amount ( {$750.00} ) paid for by financial aid with a differnce of {$250.00}, and the oher amount of {$2400.00}, not matching any of the amounts reported on my credit report. I have sent multiple letters, have submitted disputs online ( XX/XX/2021, XX/XX/2021, XX/XX/2021 ), and talked to multiple specialists at XXXX credit bureau disputing these items and the collection agency keeps saying the items are accurate. I sent a letter to the collections agency over 30 days ( XX/XX/2021 ) ago disputing the charges, pointing out that the bills received irreputably proof the items should be remove with no response from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THIS COMPANY IS REPORTING THE WRONG INFORMATION ON MY REPORT AFTER SO MANY ATTEMPT THEY ARE STILL DOING IT AND NOTHING IS BEING DONE ABOUT IT. 
15 USC 1681 ( a ) ( XXXX ) I have the right to privacy. 
So again according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information I have not given you the right to share my information with XXXX party. 
According to 15 USC 1681 ( b ) ( XXXX ) nothing can be reported furnished on a consumer report without my written consent. 
THESE ARE A FEW ONES THEY ARE IN VIOLATIONS OF

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 2021-12-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: GA

Complaint narrative:
Amerifinancial Solutions at XXXX XXXX XXXX XXXX MD XXXX Phone XXXX has reported on my credit a collection with a past due amount of $ XXXXOpened on XXXX/XXXXXXXX, I do not know this company and I have never done business with this company. This company has nothing with my signature. I have disputed this company and have asked them to validate debt. This company has failed to validate debt!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: MD

Complaint narrative:
Good afternoon, I have a complaint against Pay pal and would like Consumer Finance Protection Bureau to investigate this matter. As of XX/XX/2021 Pay pal have placed a permanent limitation on my business account. Meaning I can no longer recieve or transfer funds from my account.The buyer of my products uses Pay pal because it's safe and easy for us to do so. I contacted Pay pal seeking the reason to why my account had been shut down and was told that he could not say over the phone for security purposes. In the past Pay pal has ask me to upload documentation for verification and I have always complied .At this time I have a balance of {$360.00} in my pay pal business account. It's unfair to me and my business that I can't resolve the issue because I don't what the complaint is. I have a total of XXXX invoices, the buyer recieved his products, I also have a copy of the buyers confirmation which the buyer provided. Again I don't know where there is any suspicious activity. The other concern is why hold my funds for 180 days ( XXXX mos. ) after suspending my account. The products have been shipped and I can provide tracking information for all the invoices so what is the need. Again it would be appreciated if this matter could be investigated. As always have a Good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
My wife and I paid off our auto loan with Chrysler Capitol on XX/XX/2021, 30 days went by and our credit was not updated and we did not receive our title. I was advised by the supervisor I was speaking to that she would put in a request to have the credit updated. The account was closed on Chrysler Capitol 's end so if I did not call in and escalate our credit would not have been updated in accordance with the fair credit act. 

Also upon speaking to the supervisor she advised me the title was sent to my wife 's address in XXXX. I immediately corrected her and said my wife and I live together. I explained I called in 6 years ago when we purchased out new home to update the address on our account. I then started receiving monthly billing statements, delinquent notices and other account correspondences to our new address. The supervisor advised me that it is company policy to only updated the information of the person we are speaking to. I explained I advised the rep I spoke to 6 years ago never advised me my wife had to call in and told me the account was updated. I the consumer do not know all Chrysler capitol 's procedures and it is the responsibility of Chrysler capitol to inform me my wife had to call in. Now our account went compromised for 6 years all our personal identity information and account sensitive information went to whomever lives in that XXXX house along with our car title. My wife and I now have to worry about both title fraud and identity theft. 

Lastly since my escalation to the appropriate department and leadership a new title has not been submitted to my wife and I. I am extremely concerned over who may have our car title and Chrysler capitol is not taking steps to get a new title out to us and also to ensure the title is not subject to fraud. My wife and I are expected to handle the situation with our state 's DMV bearing all the inconvenience and problems caused by Chrysler Capitol.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I disputed my XXXX XXXX  / XXXX XXXX account with all 3 credit agencies due to inaccurate information on XX/XX/XXXX. 

While I was late XXXX - XX/XX/XXXX ; due to a medical emergency and then again for the month of XX/XX/XXXX because XXXX  did not forward the last bill when we moved in XX/XX/XXXX, I didn't receive a bill, I did pay it off when I received the final bill. 

In XX/XX/XXXX, when my husband and I applied for a mortgage, they informed me of the situation and told me if we could get approved ; it would raise my rates by a full point and we would not be eligible for some loan programs due to the issues with my credit reporting through Transunion. 

They also reported I was late XXXX - XX/XX/XXXX ; yet there was no balance during any of XXXX and I did not use the account until XX/XX/XXXX when they offered to increase my credit limit to {$1700.00}. 

When I disputed the account to Transunion on XX/XX/XXXX ; they investigated and deleted the account fully, but kept the incorrect late payments on my credit report, thus lowering my credit utilization by {$1700.00} and score by XXXX points on XX/XX/XXXX. 

We were relocating to XXXX from XXXX due to health issues in XX/XX/XXXX ; so I did not keep a close eye on my credit because we had already worked on it and gotten it above XXXX that was needed and we knew it would only go up as we paid our car loan off with no new bills. 

On XX/XX/XXXX we applied for a mortgage in XXXX  and were sent our credit reports and spoke to several mortgage companies that appraised of the situation with the incorrect credit reporting being on our report ; so I disputed the account again and filed a complaint with the CFPB.

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 2021-12-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: OPTUM BANK, INC.
State: IL

Complaint narrative:
Optum bank closed my H.S.A account on XX/XX/XXXX. They checked in their records and they confirmed I did not authorize this. Optum also has withheld a {$220.00} deposit from XX/XX/XXXX and has thus far not returned these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
I sent a hippa dispute on XX/XX/2021 and also on XX/XX/2021. I did not not received a response and the account was not removed. I have not gotten a response back at all.

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 2021-12-07 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: PA

Complaint narrative:
I sent a hippa dispute on XX/XX/2021 and also on XX/XX/2021. I did not not received a response and the account was not removed. I have not gotten a response back at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: TX

Complaint narrative:
FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING PLNTFORD Date of inquiry : XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING TOMPEACOCK Date of inquiry : XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX Account Number : XXXX FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING 12 XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Date of XXXX XXXX XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX XXXXDate of inquiry : XX/XX/2020 FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING

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 2021-12-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
THIS IS NOT A DISPUTE FOR INACCURATE OR INCORRECT ITEMS REPORTING ON MY CREDIT FILE. THIS IS NOT A DISPUTE. DO NOT START AN INVESTIGATION. In response to CFPB complaint number XXXX : Equifax responded to my CFPB complaint by stating In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the reporting company was completed and results were mailed to you. In my complaint I clearly stated in caps I was not requesting an investigation. Neither am I requesting documents from an investigation. I stated the charge off accounts by law are not to report on my consumer report only on a consumer file pursuant to 15 USC 1681c ( c ) / PUBLIC LAW XXXX. XXXX, 1996 XXXX STAT. XXXX. Please find the Public Law and United States Code attached below both of which are made public for anyone to research. For charge offs and collections the 7 year reporting period only applies to items in a consumer 's file not a consumer report. A consumer reporting agency may not make any consumer report containing accounts placed for collection or charged to profit and loss pursuant to 15 USC 1681c. I am requesting that Equifax follow Federal Law by removing the following charge offs from my consumer report : XXXX XXXX XXXX XXXX - Account # XXXX - Charge Off, XXXX XXXX XXXX XXXX Account # XXXX - Charge Off, XXXX XXXX XXXX XXXX - Account # XXXX - Charge Off. Once this lawful request is complete, send me a copy of my consumer report not my consumer file. Please note a consumer report serves as a written, oral or other communication in establishing a consumer 's eligibility for credit or insurance to be used primarily for personal, family, or household purposes, and employment purposes. A consumer 's file is all of the information on that consumer recorded and retained by a consumer reporting agency regardless of how the information is stored. They are not the same and I am requesting my consumer report once this request is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: CA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX, made a charge to my account which was incorrect. I was able to obtain a refund for this charge, but I had reached out to CHIME BANK and alerted the dispute department, and they cancelled my card immediately and issued a new one. 

After this I had another issue with XXXX XXXX XXXX services. They had a glitch in their system and a transaction was stuck. They sent a manual authorization release form and CHIME BANK refused to release my funds. 

Then on XX/XX/XXXX the charge was dropped, and the funds were never released into my account. Approximately 45 minutes later a charge was posted with the posting date of XX/XX/XXXX @ XXXX XXXX XXXX for {$100.00} and {$0.00} How could a card that was cancelled a week ago be used to make a purchase? That question was met with more confusion and then a fallacy stating that there was a temporary card issued to me and that was the card that was used. This is impossible because all cards were turned off and the only card XXXX has on file per its billing department ( see attachment email correspondence ) is the card ending in XXXX. 

As a member of CHIME BANK since XXXX I am deeply disturbed to know they dont the safety and security of customers money seriously. I have a permanent disability and receive Social Security monthly. I made one mistake cashing a check and CHIME BANKs security department reached out to me with no recourse or appeal process, but now when CHIME BANKs security is compromised by allowing a card that was already cancelled to used and the transaction post to the members account ; its sickening and deserves to be investigated at the government level.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I, XXXX XXXX from XXXX XXXX California, sold my car online for {$3500.00}. A man named XXXX XXXX texted me via his phone number XXXX and agreed to buy it with a cashiers check. 

- On XX/XX/2021 I received a Cashier Check of {$5800.00} and I deposit the Cashier Check to my Chase account on the same day. 
Cashier 's Check info : + From XXXXXXXX XXXX  XXXX, Branch XXXX + Payable through XXXX XXXX. XXXX, XXXX + Check # XXXX - Date : XX/XX/2021 - On XX/XX/2021 XXXX politely asked me to send {$2200.00} extra money ( from his cashier check ) to his mover account to pay for transferring the car to his daughter in WA state. 
The receiver info with XXXX XXXX Bank : + Name : XXXX XXXX + Routing # XXXX + Acct # XXXX - I did agree to send {$2200.00} to the mover 's XXXX XXXX account from a local XXXX XXXX XXXX ( in XXXX XXXX, XXXX XXXX ). It was because I believed the amount of {$5800.00} from the Cashier Check I received was cleared by Chase Bank and was present in my Chase account at that time. 

- On XX/XX/2021 XXXX called me again and told me his wife was not happy with the car and ask for a refund. At that time I was very suspicious about XXXX XXXX behavior. It could be a scam. 

- On XX/XX/2021 I went to Chase Bank to ask them to verify if the cashier check I received was really authentic. A Chase Bank staff name XXXX XXXX then gave me a phone number to call for verification. I called the provided phone number and was told immediately they did not recognize the cashier check number I received from XXXX. At that time I knew for sure I was a victim of a scam. 

- On XX/XX/2021 I went to both XXXX XXXX and Chase banks and asked for help on the issue. XXXX XXXXXXXX XXXX staff and XXXX XXXX from Chase bank told me nothing they could do from bank side to help me with the issue at that time and they told me to call to report a fraud myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX ( Original Creditor : 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