vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-27 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: TX

Complaint narrative:
How many complaints and letters do I have to submit to the Credit Bureaus for them to correct my Credit report from erroneous reporting? the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting that if the Credit Bureaus can not update the status of the disputed account, it would be preferable if they remove the disputed account from my Credit Report. The account XXXX XXXX XXXX XXXX with a Balance Owed : {$810.00} is reported as a charge off account and yet this account indicates a balance! As far as I know, a charge off account must report XXXX balance. I have been wanting the Credit Bureaus update this account and yet they have to do so. I would greatly appreciate it if the Credit Bureaus would just delete this account if they can not comply with a simple request of an update.

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 2022-07-27 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: TX

Complaint narrative:
How many complaints and letters do I have to submit to the Credit Bureaus for them to correct my Credit report from erroneous reporting? the last letter I sent to the Credit Bureaus was XX/XX/2022 requesting that if the Credit Bureaus can not update the status of the disputed account, it would be preferable if they remove the disputed account from my Credit Report. The account XXXX XXXX XXXX XXXX with a Balance Owed : {$810.00} is reported as a charge off account and yet this account indicates a balance! As far as I know, a charge off account must report XXXX balance. I have been wanting the Credit Bureaus update this account and yet they have to do so. I would greatly appreciate it if the Credit Bureaus would just delete this account if they can not comply with a simple request of an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Click n' Close, Inc.
State: HI

Complaint narrative:
I am having trouble with Mid America Mortgage converting my construction loan to a permanent 30 year mortgage as agreed upon. My construction loan with Mid America Mortgage closed on XX/XX/XXXX, with a locked rate of 3.5 % to convert it into a 30 year mortgage. 

I was initially told by Mid America Mortgage and loan officer that a bond was not needed for the construction of my home. My builder and I expected a draw to commence shortly and construction to start.

After ten days had passed it was determined ( XX/XX/XXXX ) by Mid America Mortgage that a bond was overlooked on this project, so the builder and I had to initiate that process which would take approximately six more weeks and push back the start date, and ultimately the end date of construction. The bond was signed by Mid America Mortgage on XX/XX/XXXX and the first draw was finally released on XX/XX/XXXX with construction beginning immediately. 

Construction was complete in less than 360 days from date 1st draw received. 
XX/XX/XXXX XXXX XXXX of Hawaii XXXX inspection FINAL complete & approved. 

XX/XX/XXXX = inspector from XXXX XXXX XXXX XXXX Mortgage inspects home XX/XX/XXXX - Final draw received by XXXX from XXXX on behalf of Mid America Mortgage I have not heard anything from Mid America Mortgage since XX/XX/XXXX when I received an email mentioning loan conversion to commence XX/XX/XXXX. I replied to that XX/XX/XXXX email asking what the terms of the loan would be but I haven't heard back after many repeated emails. The only correspondence I've gotten is from the initial loan officer via text message saying that Mid America Mortgage said it was going to CURRENT MARKET RATES on my 30 year mortgage because of delays on the project. This is completely ridiculous because the delays were caused by Mid America Mortgage 's poor communication and oversight in requesting a bond with the initial construction loan. I am asking for assistance requesting Mid America Mortgage to honor the locked rate I was given. From the beginning communication with them has been horrible and I have been given the run-around many times. What has made matters worse is that several of the original individuals involved on this transaction are no longer with Mid America Mortgage. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 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: NC

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here. These inquiries should also be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX account number XXXX ( XXXX ) has violated my rights. 15 U.S.C.1681 section 602 A states I have the right to privacy. 15 U.S.C.1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXXAccount number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
i have tried diligently to have XXXX fraudulent inquiries removed from my credit report these inquireies are all fcra fdcpa and metro 2 violations i have a federally protected right to fair and accurate reporting under fcra policy as well as 15 usc 1681 bb and 15 usc 1692 g, and fcra section 609

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 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
i have tried diligently to have XXXX fraudulent inquiries removed from my credit report these inquireies are all fcra fdcpa and metro 2 violations i have a federally protected right to fair and accurate reporting under fcra policy as well as 15 usc 1681 bb and 15 usc 1692 g, and fcra section 609

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, 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 have tried diligently to have XXXX fraudulent inquiries removed from my credit report these inquireies are all fcra fdcpa and metro 2 violations i have a federally protected right to fair and accurate reporting under fcra policy as well as 15 usc 1681 bb and 15 usc 1692 g, and fcra section 609

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 2022-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CLGF Holdco 1, LLC
State: CA

Complaint narrative:
I have XXXX hard inquiries that were added to my report on XX/XX/XXXX that I did not submit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I was promised over the phone by Credit Collection Services that if I paid the amount they were charging me, they wold remove the item from my credit report. And this was the only reason I paid, since I had absolutely nothing to do with the original charges. Mainly because I don't have or never had any business with Credit Collection Services, they don't have a single paper signed by me, and they simply can't verify the debt. 
And now comes the worst part, even after I paid a debt that I didn't recognize, they promised over the phone they would remove everything from my credit report, and then after I paid, they just failed to follow through with the agreement. More than a year has passed. 

I assume they are going to ask for more money so they can finally remove the item from my credit report. If they actually do. 

PS : For XXXXAccount number XXXX In accordance with the Fair Credit Reporting Act XXXX account number XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C.1681 section 602 A states I have the right to privacy.

15 U.S.C.1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.DELETE THE ACCOUNT

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TRUIST FINANCIAL CORPORATION

Complaint narrative:
This is an update on complaint XXXX against SunTrust mortgage/Truist Bank . We have now received our telephone bill - and despite being given a list of free fone numbers, ( following our annoyance at having clocked up over {$60.00} of telephone call charged ) by Truist bank agents NOT ONE is actually free - as a result we have now been charged a further XXXX = {$170.00} approximately and still have yet to receive the balance of our account which was completely changed without our knowledge nor consent by Truist bank. 
Truist bank is not functioning as a customer friendly unit!! 
XXXX and XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: TN

Complaint narrative:
I filed Federal Trade Commission Identity Theft Report and Experian refuse to remove the information listed on the FTC Report 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 explanation
Consumer complaint received 2022-07-27 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: NC

Complaint narrative:
I financed/purchased a vehicle thru XXXX XXXX XXXX XXXX XXXX XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, I voluntarily surrendered the vehicle and it was sold at auction sometime in XX/XX/XXXX. The vehicle did not sell for as much as I had hoped and had a remaining negative balance of which I owed to XXXX. After litigation, we came to an agreement on terms/payments and I entered into a structured re-payment plan with XXXX for the remaining balance. Sometime in XXXX of XXXX, suddenly XXXX started reporting my account as a CHARGE OFF and that I had been making monthly payments of {$360.00} thru a lawyers firm directly towards my account. From a credit standpoint, it looks like I have an active CHARGE OFF on all 3-credit agency reports, and what's worse is that it looks like I'm paying {$360.00} on a monthly basis towards and account that says it was " Account charged off. {$25000.00} written off ''. Which is not true whatsoever. I've tried to contact XXXX, but since this account was involved in litigation, nobody seems to have access or ability to help me get this corrected. With XXXX reporting that this is still a CHARGE OFF and reporting an updated payment status each month against that it is causing my credit score to be reduced over 100 points on each agency. XXXX had not reported anything against this account in almost 2 years, but all of the sudden in XX/XX/XXXX they submitted and update to all the agencies and created a credit issue or problem as to what that loan actually is, and what the current status is.

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 2022-07-27 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: NV

Complaint narrative:
I filed a dispute pertaining to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

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 2022-07-27 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Monday, XX/XX/XXXX, I was notified by my clearance investigator that I had a 30-day late payment on my credit report. I knew this was wrong because my payments are on autopay but I went online to try to make a payment anyway. The website was down so I contacted XXXX and they informed me the site would be back up the following Monday. After logging in on Monday, I still could not make a payment so I called XXXX back. I finally was able to speak to someone competent as she did some investigating and realized XXXX misapplied one of my mortgage payments to the wrong loan. This caused a 30-day late payment on my credit report. She informed me it was the bank 's fault and that they would try to fix the late notice on my credit report. 
I am trying to get a personal loan and I can not with the credit score hindered by this misleading and inaccurate reported information from XXXX. This has caused some personal XXXX  and distress not knowing when this item will be removed. 
Please removed it from my credit report as soon as possible as this is a hindrance to my way of life and as a consumer, this is a violation that is still on my 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 2022-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: CA

Complaint narrative:
I have had a Chime checking account for a few months and use the debit card for daily shopping both online and physically. In XXXX, I went to XXXX for a trip and encountered an ATM withdrawal issue. The machine did not dispense cash but my account balance was deducted. Chime denied my dispute without even disputing the merchant for me. My claim ID is XXXX, with total disputed amount {$850.00}. 

XX/XX/XXXX, I tried to withdraw cash by using Chime debit card at an ATM machine in XXXX. I tried in XXXX XXXX for about equivalent of {$350.00} US dollars ( the exact amount after currency conversion is {$340.00}. ), but the machine did not dispense any cash. At that time, I could not get hold of the ATM bank since it was at night. 
XX/XX/XXXX, I called the ATM bank and was told that the machine should be good and I could try again, and call them if that happened again. According to their instruction, I tried again at the same machine but encountered the same issue. At first, I tried to withdraw about {$350.00} in XXXX XXXX but the machine did not dispense any cash. During that time, I was in urgent need of cash because many merchants only accepted cash in XXXX. So I tried the second attempt but could only withdraw about {$150.00} because Chimes daily withdraw limit of {$500.00}. However, the same issue happened, the machine did not dispense any cash. 
XX/XX/XXXX, I called the machine bank again and was told they would need some time to resolve the issue. In addition, they said if I could not stay there to wait for the outcome, I could call my own bank and they would work with my bank. During all the communications, there was a language barrier between myself, not a XXXX  speaker, and their English-speaking staff not being fluent at all. One thing they were correct was that I could not stay there waiting. 
XX/XX/XXXX, I called Chime to dispute the total amount of {$850.00}. 
XX/XX/XXXX, Chime emailed and denied my dispute. I requested the document for reasons of denial. 
XX/XX/XXXX, Chime sent me a document stating their reason for denial. Basically, their reasons were : my withdraw velocity was high, amount was up to daily limit of {$500.00}, at the same ATM machine, and my account was newly opened in the past 3-6 months. 

I do not accept Chimes decision solely based on their own assumptions. Daily limit of {$500.00} is not a large amount and it is very reasonable for normal travel use. They did not even bother to fill up a form to dispute the merchant at all. What I have felt is that there is no client protection by using Chime debit VISA card. Therefore, I am submitting a claim here to get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
I am a paypal user. now my paypal account was closed by paypal and they frozen my money. It has been 180days and according to their policy, they should send the money to me.please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I filed a dispute pertaining to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27 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:
I REVIEWED MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS THAT I DID NOT AUTHORIZE ON MY CREDIT REPORT AND IT IS PREVENTING ME FROM RECEIVING CREDIT I filed a dispute pertaining to the incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

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 2022-07-27 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: GA

Complaint narrative:
Monday, XX/XX/XXXX, I was notified by my clearance investigator that I had a 30-day late payment on my credit report. I knew this was wrong because my payments are on autopay but I went online to try to make a payment anyway. The website was down so I contacted XXXX and they informed me the site would be back up the following Monday. After logging in on Monday, I still could not make a payment so I called XXXX back. I finally was able to speak to someone competent as she did some investigating and realized XXXX misapplied one of my mortgage payments to the wrong loan. This caused a 30-day late payment on my credit report. She informed me it was the bank 's fault and that they would try to fix the late notice on my credit report. 
I am trying to get a personal loan and I can not with the credit score hindered by this misleading and inaccurate reported information from XXXX. This has caused some personal XXXX  and distress not knowing when this item will be removed. 
Please removed it from my credit report as soon as possible as this is a hindrance to my way of life and as a consumer, this is a violation that is still on my 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