vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My concern about inaccurate information appearing on my credit report is formally expressed in this letter. I am convinced that the errors in the report are a misrepresentation of my financial background and that they need to be corrected right away after a careful examination of the report 's contents.

I'm confident that you are qualified and required to look into my concerns right away under the terms of the Fair Credit Reporting Act ( FCRA ), in accordance with the FCRA. As a consumer, I have every right to make this request, especially given that the disputed information significantly affects my credit score. 

Furthermore, it's crucial to understand that this procedure is not just a request but rather a requirement of the FCRA. Section 611 ( 15 U. S. C. ) mandates credit reporting agencies. S. C. 1681i ) to carry out an investigation into disputed items within 30 days of receiving a dispute letter. The announcement made today serves as that notice and sets the timer for this contractually required deadline.

I look forward to having full cooperation from you and a careful analysis of the pointed out problems. I have no doubt that once you look into this matter, you'll find that the disputed details don't match up with my actual credit history. I trust you to report things accurately, and I hope this issue can be resolved quickly.

Now that the investigation is underway, I would appreciate regular updates. To ensure that the information reported is entirely accurate, it is in both of our interests. FTC regulations state that upholding this level of accuracy is essential for fostering ethical behavior and defending consumer rights.

Finally, I have no doubt that you will adhere to the FCRA 's rules and the fairness that the Act encourages. I appreciate your commitment to a swift and complete resolution of this matter. We appreciate all that you do to guarantee the accuracy of consumer credit information.

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 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
Received the fake email from milestone for credit card offer for {$700.00} I know it's because there's a lot of other stuff that's with this that makes no sense that somebody trying to get my information

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please remove this inaccurate late payment from my account. I have a good history of paying on time and it is unfair for me to be penalized for something that is not my fault. I kindly request that you update my account as soon as possible to reflect the correct information

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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
they have my account overdrawn XXXX this is unbelievable i honestly had so much funds never let my account get to this i refuse to pay this large amount for whats not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have been contacting Capitol One for almost two weeks now. I initially called on XX/XX/XXXX to find out how much my payoff was. I was given XXXX XXXX plus dollars as my payoff amount, so I decided to pay off my account on XX/XX/XXXX. To my knowledge, if I pay off my balance before my billing cycle ends that I would not accrue any interest. My billing cycle ends on the XXXX of each month, so how am I responsible the interest? My balance was XXXX as of XX/XX/XXXX. All of a sudden, I view my account and saw that I had an outstanding interest of {$18.00} after I paid my balance off on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Mortgage — USDA mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Ocwen Financial Corporation
State: OR

Complaint narrative:
Following five attempts with XXXX XXXX to secure a loan modification, our loan was transferred to PHH Mortgage. They assured us it would be approved and proceed to underwriting, but we had to restart the process multiple times. After finally reaching the underwriting stage, our application was unexpectedly denied, and the reasons remain unclear. They're now refusing payments, and as a result, I'm forced to pursue XXXX XXXX bankruptcy due to falling behind after my wife contracted XXXX. 

I feel this whole process was designed to drag me deeper in debt with no escape. I provided everything they asked for on time and they found reasons such as oh well this isnt highlited. Unacceptable and unfair.

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 2023-09-22 00:00:00
Product: Credit reporting 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:
My XXXX credit card from XXXX XXXX  ending in XXXX have disappeared from ALL THREE credit reports, I have contacted XXXX XXXX  and advised them of this issue since the beginning, they keep saying it will get resolve in the next billing cycle, but It has been several months with no resolution to this issue, and to why this credit card suddenly disappeared and no longer being reported to ALL THREE credit bureaus. 

Account is in good standing, never late opened back in XXXX, one of my oldest credit cards, my credit score went down several points due to this card no longer being reported to the credit bureaus ( XXXX, XXXX, TransUnion ) I also wanted to mention I have added my husband as an authorized user ( Manager ) on this same account and also for him this card is not being reported on his 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 2023-09-22 00:00:00
Product: Credit reporting 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:
My XXXX credit card from XXXX XXXX  ending in XXXX have disappeared from ALL THREE credit reports, I have contacted XXXX Bank and advised them of this issue since the beginning, they keep saying it will get resolve in the next billing cycle, but It has been several months with no resolution to this issue, and to why this credit card suddenly disappeared and no longer being reported to ALL THREE credit bureaus. 

Account is in good standing, never late opened back in XXXX, one of my oldest credit cards, my credit score went down several points due to this card no longer being reported to the credit bureaus ( XXXX, Equifax, XXXX ) I also wanted to mention I have added my husband as an authorized user ( XXXX ) on this same account and also for him this card is not being reported on his credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My XXXX credit card from XXXX XXXX  ending in XXXX have disappeared from ALL THREE credit reports, I have contacted XXXX XXXX  and advised them of this issue since the beginning, they keep saying it will get resolve in the next billing cycle, but It has been several months with no resolution to this issue, and to why this credit card suddenly disappeared and no longer being reported to ALL THREE credit bureaus. 

Account is in good standing, never late opened back in XXXX, one of my oldest credit cards, my credit score went down several points due to this card no longer being reported to the credit bureaus ( Experian, XXXX, XXXX ) I also wanted to mention I have added my husband as an authorized user ( Manager ) on this same account and also for him this card is not being reported on his 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 2023-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: W&A Intermediate Co., LLC
State: NC

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. This reporting is in violation of my rights in accordance to HIPPA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, while logging into my American Express account to review transactions for my Blue Preferred card, I stumbled upon an annual membership fee of {$250.00} charged to my American Express Gold card, a card I had previously considered inactive. At the time, I possessed limited recollection of the Gold card 's details, including its application date and when the membership fee commenced. 
Immediately, I initiated contact with American Express customer support ( XXXX ) to apprise them of my lack of awareness regarding the active membership and to formally request a refund for the charged fees. Despite my persistent efforts, my refund requests were consistently denied. 
A subsequent investigation into the matter revealed that I had applied for the Gold card in XXXX. In XX/XX/XXXX, American Express implemented an increase in the annual membership fee to {$250.00}, as communicated to cardholders through written notices. Cardholders were provided with the option to reject this fee increase by contacting American Express before XXXX XXXX XXXX XXXX on XX/XX/XXXX. 
My personal records, including a to-do list from that period, corroborated my proactive response in XX/XX/XXXX. These records indicated that I had indeed contacted American Express during that time to reject the fee increase and cancel the Gold card membership. Following this action, I never used the card again and thus stopped reviewing its credit card statements. 
In contrast to my understanding and actions, American Express continued to levy the annual membership fees from XXXX to XXXX, accumulating a total of {$1200.00}. These charges were executed through an autopay link originally configured for another active American Express card. 
In response to this situation, I sent American Express a formal letter, detailing the events that had transpired and explicitly conveying my request for a full refund of the {$1200.00} erroneously charged over the course of five years. While American Express did respond to my letter by agreeing to refund the membership fee for the current year, I find American Express 's response to be insufficient and not a complete solution, I am therefore pursuing support from the relevant authorities to ensure a fair resolution to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Lien release
Company: ASSURANCE FINANCIAL GROUP, LLC
State: SC

Complaint narrative:
I contracted with XX/XX/XXXX to build my house for {$700000.00}. I gave him a {$100000.00}. downpayment & financed the balance with Assurance Financial. Although the loan came to {$610000.00}, after he received {$600000.00}. from my finance company he was only due a balance of {$650.00}. based on our contract. Instead XXXX XX/XX/XXXX he requested a {$13000.00}. final draw + {$2400.00}. totaling {$15000.00}. During the build we did 3 Addendums totaling {$16000.00} which equates to him receiving a total of {$720000.00}. of my money. The finance company informed me that he received {$31000.00}. ( in draws ) for items I paid out of pocket. When he requested the initial final draw, I questioned the {$31000.00}. & he ceased communicating with me. Finally, XXXX XX/XX/XXXX he sent notification of a lien placed on my house for {$56000.00}. I've requested to be provided what this money is for but haven't received it. Now, after not holding the builder to a completion date, the finance company has issued a demand letter for the {$600000.00}. they paid the builder to close on the construction loan in 30 days or I'll be in default & lose everything, knowing that someone has offered the builder {$1.00} XXXX for my house & I have no way to pay this money by XXXX XX/XX/XXXX. After all this the builder has vandalized my house & took the 4 AC units so now I have to pay for the repairs & replacement before I can even attempt to get a final inspection. PLEASE HELP ME

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from 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 2023-09-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANKMOBILE TECHNOLOGIES, INC
State: WI

Complaint narrative:
Bankmobile Vibe is in control of my financial aid refund. I attended the University XXXX XXXX  - XXXX from XXXX  to XXXX  and this account student checking account was opened under another company at the time. I am a returning student and this account was still attached to me with old information. The account had been locked out and I have been struggling for months trying to get my account re-activated to be able to receive my financial aid refund. They have requested I sign paperwork stating that I am who I am, which required me to have the paperwork notaries. Which I last submitted on XX/XX/XXXX via email. I have called once a week to two times a week since then trying to make sure they have received my email, which they state they have. However, I need to wait for someone to review it. According to the Bankmobile Vibe, my request to be reviewed has been escalated and they will contact me about what is going on. I haven't received anything from them, not an email, mail, or phone call. Every time I call, I am told it is in the process of review but it's been a month now since I last submitted paperwork to them to gain access to my account again. University XXXX XXXX - XXXX will not provide me with a check for my aid and the only way I have access to this money is via Bankmobile Vibe who will not give me access to my account. I'm at a lost on what to do.

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 2023-09-22 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Bought the gift card to use online, but everywhere I use the card online declined it. I tried to check the balance and it said the card was activate, so I tried to contact support but the bot itself kept hanging up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: R & B Corporation of Virginia
State: NC

Complaint narrative:
I have contacted the creditor/company many times but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating. This reporting is in violation of my rights in accordance to HIPPA laws

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
Upon reviewing my consumer report, I see that XXXX XXXX  XXXX has reported late payments on my consumer report. The account is reported incorrectly and inaccurately. This account must be removed from my consumer report. Please see attached, you will see how incorrect its reported across all 3 bureaus. Months are not the same. It violates the consumer law below. 
15 U.S. Code 1681e - Compliance procedures ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-09-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Application denials
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
Due to the lack of diversity, equity and inclusion, Loan Depot has engaged in unlawful discriminatory and predatory lending practices in its underwriting and customer service departments in order to benefit from the socioeconomic hardships of its homeowners during the Covid pandemic. Please see the documentation ( that was written in real time ) below, in attempt to resolve this matter without having to file for litigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Yesterday, I was trying to XXXX money from my checking account to my son in Ohio. The online banking at Chase would not allow me to do so, thinking it was a fraudulent transaction and freezing my account. After numerous unsuccessful attempts to resolve the problem over the phone, I went into the local branch, identified myself to the representative, and asked for her help. She, XXXX XXXX, tried to assist me, but after several failed attempts ; she called someone to ask for further assistance! I forgot to get the name and # of the lady she spoke with, but was assured that she would resolve the problem. We were told that it would take a half hour or slightly more for everything to process. By then, it was XXXX and I had been trying steadily to get this sent since XXXX. XXXX suggested that I go home and try again at XXXX. She said she would be available untill XXXX if I still had problems! After trying again at XXXX, failing and being locked out again, I tried to call XXXX 4xs and was unable to get through! I tried to logon to my Chase account again this XXXX. Still locked out, XXXX is off work today, XXXX said he would have someone call ( XXXX ), but nobody has called!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Torres Credit Services, Inc.
State: PA

Complaint narrative:
Im not sure what happened as this just recently appeared on my credit report in the past month. Yet it says date opened in XX/XX/XXXX Thats not possible. I have copies of previous reports and this was not there. I have had issues w/multiple accounts in the past in regards to identity theft. ( see attached report ). 

I believe this to have been opened fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-09-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paypal Holdings, Inc

Complaint narrative:
I am from the XXXX working as a XXXX XXXX  and provide help to my clients located in the XXXX. I use Paypal to get payment from them, in exchange to the work I did, I use Paypal for nearly 10 years, without any issues.

But then, just this week, I got an email from Paypal, saying my account has been limited. I am not sure why so I asked. However, I was not given a specific reason nor a valid one. I seek justice because first : I still have funds in my PayPal account which I can not withdraw. Second, the invoices I sent to my clients last week is still pending and Paypal is making a follow up with them, when they know for a fact that they are holding my funds. 

I am asking for your help. I just need my account reinstated, I just need it to be able to use it as a payment platform for my clients. 

Any help is greatly appreciated. Thank you!

Company response to consumer: Closed with explanation