vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-02 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: CA

Complaint narrative:
I purchased a 2017 XXXX XXXX in 2017. I have ben up-to-date with all of my payments. XXXX recently updated their payment app to automatically make the payment for the next due date if the payment that is due is being paid during the grace period, after the first deadline, so my XXXX payment was deducted on XX/XX/XXXX, along with my XXXX payment. So there were XXXX payments made on one day, the one for XXXX and the one for XXXX, which was considered late. I contacted XXXX XXXX XXXX to discuss the matter, and they agreed that it was not my fault, that the payment was made on time, and that they would update the credit bureaus. They have not done so, and because they did not do so I filed a dispute with XXXX, Transunion and XXXX. XXXX fixed the problem on my report, but Transunion and XXXX are not doing so. I have exhausted my remedies with XXXX, Transunion and XXXX. Please help.

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 2021-11-02 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: CA

Complaint narrative:
I purchased a 2017 XXXX XXXX in 2017. I have ben up-to-date with all of my payments. XXXX recently updated their payment app to automatically make the payment for the next due date if the payment that is due is being paid during the grace period, after the first deadline, so my XXXX payment was deducted on XX/XX/XXXX, along with my XXXX payment. So there were XXXX payments made on one day, the one for XXXX and the one for XXXX, which was considered late. I contacted XXXX XXXX XXXX to discuss the matter, and they agreed that it was not my fault, that the payment was made on time, and that they would update the credit bureaus. They have not done so, and because they did not do so I filed a dispute with XXXX, XXXX and Equifax. XXXX fixed the problem on my report, but XXXX and XXXX are not doing so. I have exhausted my remedies with XXXX, XXXX and Equifax. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/21, I applied and was approved for an American Express XXXX card. The promotional mailing I received stated that I would receive XXXX bonus reward points by spending {$1000.00} in the first three months of the account being opened. This was printed on both the outside of the envelope and then in detail on the enclosed offer. I applied by going to the website listed on the offer letter and entering the code provided. I proceeded to spend over {$1000.00} in less than a month, specifically because I wanted the XXXX bonus points to use toward booking travel around XXXX time. The bonus points and travel I could purchase with them were the only reason I took the card out in the first place. Once I saw that the bonus points were not showing as either awarded or pending, I contacted Amex by phone and a case was opened. After a couple weeks, American Express concluded their investigation and said I was mistaken and that my card offer did not include a welcome bonus. Since, I have repeatedly contacted the company by phone and chat and have spoken to both representatives and supervisors. Despite the fact that I know what the mailing said, because its the only reason I immediately got my phone out and applied for the card, Ive been told that Amex has determined that theres no bonus offer on my card. Even though Amex *still* has a welcome offer for that card ( though its currently showing XXXX points instead of XXXX ), there internal investigation has found that there was no offer on my card at the time I applied ( and therefore that I must have applied for a card with no particular benefits for no reason, I guess ). I requested that Amex reproduce my offer letter, to show me how Im wrong about this, and they said they cant do that. Basically, they got me to take the card out with this really good offer, and now wont honor it and they keep saying theyre right because they say so. 

Unfortunately I do not have the original card offer. I think its pretty reasonable for a consumer to shred such an offer after applying for the card and trust that the company is going to fulfill its offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: WI

Complaint narrative:
Ive contacted I.C. Systems several times asking for debt validation and other remedies yet i've never received any response nor notification. I.C. Systems is in violation of 15 USC 1692f " Unfair Practices '', 15 USC 1692g " Failure to properly validate debt '', as well as many other violation under the Fair Collections Practice Act.

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 2021-11-02 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: TX

Complaint narrative:
I am filing a dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are fraudulent items listed. These have impacted my ability to receive credit and have provided unnecessary inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are items I wish to dispute on my credit report : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have attached an FTC Identity Theft report with this complaint for your review as well. As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: MI

Complaint narrative:
I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME. ALSO WRONG NAMES AND ADDRESSES THAT NEED TO BE DELETED, AND EMPLOYERS THAT ARE WRONG THAT NEED TO BE DELETED. A LETTER OF EXPLANATION IS ENCLOSED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: GA

Complaint narrative:
OnXXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: WI

Complaint narrative:
I've contacted the 3 major credit bureaus several times about unauthorized inquiries on my consumer report. yet i have yet to receive any response or see a update to 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 2021-11-02 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: WI

Complaint narrative:
I've contacted the 3 major credit bureaus several times about unauthorized inquiries on my consumer report. yet i have yet to receive any response or see a update to my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Sychrony Financial has placed an unauthorized hard inquiry on my XXXX Credit Report. The inquiry was placed on XX/XX/2020. I didn't authorize this inquiry.

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 2021-11-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My Bank of America account was hacked into and someone by a name I do not know transferred themselves a large amount of money through XXXX without my consent. The amount was {$1600.00} and the transaction took place on XX/XX/2021. I noticed this fraud IMMEDIATELY and called Bank of America within hours of the XXXX transfer. They told me they would attempt to stop the transaction and regain the funds. To this day I have nothing, I have no update from them except they are waiting to hear back from the other bank. They told me if the bank doesnt send them back the money I will lose my {$1600.00} even though someone hacked into my account and this was a case of fraud. They said theres nothing I can do because the FDIC only protects my money if the bank goes out of business and my money is not protected otherwise.

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 2021-11-03 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. This item is reporting late, yet it is closed and with the balance of {$21000.00} as reported in my Transunion Credit Bureau. Lets correct this immediately. The Transunion Credit Bureau is required to verify for themselves, but they failed to neither verify nor update me about these complaints.

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 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I received an email on XX/XX/2021 thanking me for opening a new account with TD Bank, following that email there were 3 others updating the email, phone number and address. I called the number from the email and they closed the account immediately. I went down to the bank and tried to have the account pulled up with ID but they were only able to pull it up with my full social security number. I was asked to verify another name I would have used to open the account and when I gave them my maiden name XXXX, the teller verified that was correct. I do not have nor have I opened any accounts with TD bank in well over 5 years. Once I pulled credit report I have noticed other items that should not be on there either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Just want to fallow up with my case. 
Again Saturday ( Approximately ) between XXXX XX/XX/2021 someone went to chase bank in this location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , WA XXXX and withdrew {$9500.00} and went another location same day and withdrew {$500.00} XXXX XXXX XXXX XXXX, XXXX, WA XXXX I filed a claim with chase Monday XX/XX/2021 and chase claim department asked me to get an actual police report. And I requested a police report XX/XX/XXXX and I received the police report XX/XX/XXXX and a sent a police report to the The claim department. After waiting for five business days to resolve my problem, or reimburse my money, I got an email from Chase claim department, and they denied to deposit the money to my account. And they told me that they dont have enough evidence to dispute my claim. And they also requested officer Or detective to come both locations and look at the footage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have called several times to the following numbers provided it by Experian Only a automatic system which doesnt option to talk about my dispute or my personal information failing to provide consumers all the information that maintain about me It not letting me to talk with a live agent The letter I have received from Experian have fail to provide any date about my disputes So have try several times to talk with a live agent also failing to communicate XXXX erring my life negatively They dont answer me by XXXX Or XXXX making hard for customers to fix anything or to know about errors or disputes Failing to maintain communication and provide the right information with a automatic system that doesnt give me the options to do so I XXXX XXXX Blame Experian and make them liable for failing to provide me with any proper communication Ignoring me over and over Always going in favor or the corporations instead of the poor people

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 2021-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have a FHA mortgage in good standing with Suntrust Now Truist, I asked in writing to have my Mortgage Insurance Premium removed as soon as my loan reaches a LTV of 80 %. We fit all requirements for this, our loan is at least 5 years old, and we have no delinquent payments ever. I received a letter back from Suntrust Now Truist on XX/XX/2021 stating incorrectly that they can not delete my premiums until my LTV reaches 78 %. 

The law clearly states that if I am in good standing and give them written notice, they must delete my premium charges as soon as I am below 80 %, and they must delete it when I reach 78 % if I take no action. I have given them the request in writing, and they have denied my request and have kept charging me the MIP every month. Their letter stated they would stop charging me when I reach 78 % LTV after XX/XX/2021.

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 2021-11-02 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: ACIMA CREDIT, LLC
State: GA

Complaint narrative:
Incorrect information on credit report. i am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02 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: SCA Collections, Inc.
State: NC

Complaint narrative:
Dear Credit Reporting Agency : I am an identity theft victim. I am writing to NOTIFY YOU OF THE ACCOUNTS LISTED IN THE AFFIDAVIT. Each of the accounts and transactions listed were opened and made without my knowledge or authorization. I never authorized, used, or benefited from these accounts or Inquires transactions in any way : Pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

RE : IDENTITY THEFT, FRAUDULENT ACCOUNTS & INQUIRES!

Copy of Social Security Card and Drivers License, Copy of Utility Bill Notification of Identity Theft, List of Fraudulent Accounts, FTC Identity Theft Victims Complaint & Affidavit XXXX 1. XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

2. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. XXXX Account Number : XXXX Please remove it from my credit report. 

4. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

5. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

7. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

8. SCA COLLECT Account Number : XXXX Please remove it from my credit report. 

9. The following personal information is incorrect Account Number : CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, NC XXXX 10. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XX/XX/2019 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, NC XXXX 14. XXXX Account Number : XXXX Please remove it from my credit report. 

15. Account Number : XXXX Please remove it from my credit report. 

16. Account Number : XXXX Please remove it from my credit report. 

17. XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


Please delete the disputed items from my credit report within ( 4 ) four days as required by the Fair Credit Reporting Act.

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 2021-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NC

Complaint narrative:
We entered into a forbearance program in XXXX of XXXX ( it is now XX/XX/XXXX ) due to diminished income due to COVID-19. We have stayed in CONSTANT contact with Freedom Mortgage. We started telling them we were ready to come out of Forbearance in XXXX of XXXX and exploring which option was best for our situation and we chose to do a Loan Modification. Since XXXX we have had 3 Loan Modification approvals issued and still zero modification paperwork from them. We call multiple times a month and but usually multiple times a week to check the status of the Modification documents. Each and every time we are told a difference version of why we still haven't received them months and months later. We have made a few payments during this process as well because every time we call it's different ; one person will tell us we have to make a payment on xxx date because per the current modification approval it states when the payment is due. So, we make that payment and still hear nothing back from them. We have even had multiple customer service representatives refuse to take payments because it would " mess up the modification approval calculations '' So, we call again and are given yet another date as the first payment date on yet another modification approval. This has hurt our credit terribly because the credit bureaus see the mortgage balance going up every month ( Freedom is reporting the balance every month but " no information '' in the payment history ). This has taken our FICO scores from the 750 's to the low 500 's. We were guaranteed over and over and over again in XXXX of XXXX that choosing the Forbearance option during the pandemic would in no way at all hurt our credit. It definitely has. Like I have stated we have done everything in our power to get back on track and make payments they are on their end aren't doing what they promised. This COVID-19 Relief plan has done nothing but hurt us instead of help us as it was supposed to be designed to do. We desperately need help getting this resolved. We have done everything possible on our part.

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