vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-18 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:
I have submitted several disputes regarding the inaccurate reporting by Transunion on my XXXX XXXX/XXXX. The last CFPB Complaint, Transunion responded that the imformation disputed was not reporting on my credit report. Transunion have violated the FCRA sections 1681i, 1681e ( b ) and 623 by not doing a independent investigation and continually reporting this inaccurate account on my credit report. Again these are the inaccuracies that Transunion verified as accurate and I'm providing proof that my claim is valid. Please review Documents : Doc 1 shows my Transunion credit report and this inaccurate account. 
Doc 2 show my payment history, more specifically, I made my last payment on XX/XX/XXXX XXXX on this account. Therefore, Transunion is misreporting the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in my payment history/rating. This reporting is highly damaging and inaccurate, so how can Transunion verify this account over and over again as accurate??? Doc 3 shows and proves that I reached out to the creditor and that fasley stated that this account is reporting accurately. Doc 4 shows a court document that proves the date closed on this account is on XX/XX/XXXX, not XX/XX/XXXX as Transunion is reporting and verified. Doc 5 shows that Transunion verified this account as accurate even though it's not from my previous dispute. Doc 6 show how my Transunion FICO XXXX score is significantly lower than XXXX and XXXX. How is the fair??

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 2021-03-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Commonwealth Financial Systems, Inc.
State: IL

Complaint narrative:
XXXX XXXX was able to place a new account on my credit while my credit is on a freeze. No new accounts were supposed to hit my account during a credit freeze and the credit report agency is allowing XXXX to report on my credit everyday to bring my score down even though my credit is on a credit freeze. All 3 of my credit files are on a credit freeze. How can XXXX enter a new account while on a credit freeze?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: GUARANTEED RATE INC.
State: DE

Complaint narrative:
I performed services for the banks customer. The contract was signed by the bank and there account holder. I was inform both in writing and verbally that upon completion of each section of the the job I would receive payment. 
I have completed 98 % percent of the job and I have not received payment despite constant promises of payment. But the customer and myself have signed releases and still the bank hasnt paid and is unwilling to pay. 
I have been told that payment was sent but when I check the tracking number provided by the bank for the payment it indicates that the payment wasnt sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I applied for a refinance of mortgage that I have been paying on since 2017. The property once belonged to my deceased son, through probate court I became executor of the estate. The mortgage company listed my name on the monthly mortgage statements. On XX/XX/XXXX I applied online with the XXXXPHH Mortgage Services mortgage for refinancing of the two mortgages ( loan XXXX and XXXX ). I wanted to get just one mortgage at lower interest rate and backed by my VA certificate since I am a veteran. After receiving no communication from XXXX/PHH Mortgage Services, I checked the status of my loan application and it showed there was two tasks to complete but huge red bar at the top stating " inactive ''. There was no explanation why it was inactive or rather the loan was denied or what other reasons. This home has sentimental value to me. I wanted to assume or purchase it under my name as well as with my daughter as co-borrower.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: NY

Complaint narrative:
Good afternoon evenjng I, as well as many others, have been affected by the lack of communication of Chime Bank regarding our stimulus funds. I received an email from them on Saturday stating they had received a payment towards my account from the XXXX  and I needed to submit documentation ( ID and XXXX Tax Return ) in order to verify this funds belonged to me and they could be released. The email also says if I did not respond within 24 hrs the funds would be sent back to the XXXX. I sent them the information requested and as of today I have not gotten a straight answer from them regarding the funds. The XXXX get my payment states I should be expecting my funds today XXXX XXXX.The total of my stimulus is {$5600.00} On calls I made to them on Monday they stated they could not see any money pending on my account ( even though I havr proof the email says they do ) and directed me to the get my payment tool even when I told them I already did and my funds should be there by the XXXX. I also received an email saying it takes 2 bussiness days to verify documents and to wait for a resolution within those 2 bussiness days. On Tuesday they told me they were still verifying but they could see my funds on hold pending the verification and I should expect a resolution Tuesday at the end of the day, if I did not see anything by today then give them a call again. 


Today ( Wednesday ) I called and got 2 answers. One was that they were still " verifying '' the information and they were sorry it was taking so long, that they could not promise I would get my funds today ( even though the XXXX  had it to be released today and they have been having my funds since Saturday per the email sent to me ) that I could get them today or tomorrow, maybe. The other answer was that the documents were still being verified and that she could not see my money as pending that the staff on the phones can not see any money pending only the staff that works with the email part ( but she was able to see my emails though ) regardless of me telling her 2 other representatives assured me they saw my funds and even told me the funds were from the stimulus payment and not the tax refund. 


I am not the only person with this issue and all they do is ignore you if you try to communicate through the app, they open a ticket and close it as resolved even though they never respond or they give you the answers I stated above if you happen to be able to talk to them on the phone. We need help, I personally need this funds my husband is XXXX and so is my son and them holding onto our funds with no explanation is absurd. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
During the first week of XX/XX/2021 i notified Bank of America that I has lost my device and my card. Possible chance of it being stolen. After i received a new card i was not aware they started closing my account. It is still open and now my available funds which are rightfully mine are being held for no reason. They will not give me a date or time nor explain why said available funds are not capable of withdrawal in person

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 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I never had a record with these authorities/leasers. I attempted to get in touch with them a few times and request verification of possession however they neglected to send me the important documentation to demonstrate that I actually own this record.

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 2021-03-18 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: KS

Complaint narrative:
This is my THIRD AND FINAL WARNING before filing litigation against Nissan Motor Acceptance and XXXX 
The Fair Credit Reporting Act ( FCRA ) requires consumer reporting agencies to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 15 U.S.C. 1681e ( b ). XXXX has violated that code section by failing to maintain, and failing to follow, reasonable procedures to assure the maximum possible accuracy of information included in my credit report. XXXX has failed to conduct a proper and lawful reinvestigation, in violation of 15 U.S.C. 1681i ( a ). The FCRA requires consumer reporting agencies to conduct a reasonable reinvestigation into any item that is disputed by a consumer. Murphy v. Midland Credit Mgmt., 456 F.Supp.2d 1082 ( E.D. Mo. 2006 ). The court rejected XXXX argument that an investigation solely consisting of ACDVs without seeking additional documentation was reasonable as a matter of law. 

I am a victim of identity theft and someone opened an auto loan in my name with Nissan Motor Acceptance on XX/XX/XXXX, Which I am in the military, United States Army and I was on deployment at that time in XXXX. I pulled my XXXX credit report on XX/XX/XXXX and noticed a charge off amount of {$18000.00} written off with a past due amount of {$17000.00}. Account number XXXX** Nissan Motor Acceptance.THIS IS NOT MY ACCOUNT. I contacted Nissan and Experian about the matter. NissXXXX and XXXX are still reporting this fraudulent account to third parties which is hurting my reputation to attain credit. After researching, Ive founded that FACTA adds a new section, 605B, to the FCRA that requires agencies to block identity-theft related information within 4 days of receiving specified information : which XXXX has failed to do so. Also, the XXXX Nissan Motor Acceptance was just updated with a recent payment of {$2.00}, which is a violation of the FCRA which re-ages the account. Please check attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: IL

Complaint narrative:
I applied for public service loan forgiveness on XX/XX/2020 after making 120 qualifying payments. I have now waited over 3 months, with no official answer from Fed Loan Servicing regarding the status of where my application is in the process. I have been told various things by different representative from Fed Loans, including information that my loan has been sent to XXXX ( one representative said in XXXX, one representative said in XXXX, one representative said is has not yet been sent ). I have also been told that once my application is sent to the XXXX, then XXXX has up to ANOTHER 6 months to process my application. This time frame is beyond acceptable. If one were to lose their job, the whole devotion of now over 10 years/120 payments for public service loan forgiveness would be for naught. It is frankly criminal that Fed Loans/Dept of Education is taking so long in processing loan forgiveness, potentially leading to applicants not qualifying for forgiveness if they lose their job in this uncertain economy. 

Please assist in reviewing my case. I have contacted the XXXX ombudsman as well in XXXX, who stated my application " was in process '' within the expected time frames.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
Hello, I am writing to complain that TD Bank let a company charge me over 5 seperate times with the amount equally XXXX dollars. It wiped out my account and took my tax return money. I have used this place before but I did not receive the purchase they claimed I made. I have told this to TD Bank several times, I have wrote the company numerous emails requesting actual proof and was provided nothing. TD Bank denied my original claim within a day. That is how I know they did not look into the matter at all. To add insult to injury, they wouldn't credit my account, even temporarily while they figure it out but had no problem taking my money out of my account. TD Bank claims the amount is too high for a " provisional credit '' but that is completely untrue, as they have credited other customers accounts for larger amounts in the past. This is not the time to be withholding someone's money when there is a pandemic going on. I am completely disappointed in TD Bank and I want a resolution now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
My mortgage company announced that the were upping my payments to a point that my monthly payments would be more than double what the agreed agreed upon payment would be due to some XXXX " projection '' of property value increase, and to offset back taxes. I do not have any taxable balance and my property valuation by the XXXX County Appraisal District will not be available until XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: MO

Complaint narrative:
Losing my wallet has compromised my identity and the aftermath is a result of unknown and unauthorized accounts reporting on my credit profile. These unauthorized accounts shall be removed from my credit file immediately. The following accounts are. 

1. XXXX XXXX  2. XXXX XXXX XXXX XXXX 3XXXX XXXX XXXXXXXX XXXX  3. XXXX XXXX XXXX 4XXXX XXXX XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX XXXX 7. Dept of E/DXXXX XXXX {$3800.00} 8. Dept of EDXXXX XXXX {$1900.00}

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 2021-03-18 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Losing my wallet has compromised my identity and the aftermath is a result of unknown and unauthorized accounts reporting on my credit profile. These unauthorized accounts shall be removed from my credit file immediately. The following accounts are. 

1. XXXX XXXX 2. XXXX XXXX XXXX XXXX 3XXXX XXXX XXXXXXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXXXXXX XXXX 5. XXXX XXXX XXXX. XXXX XXXX XXXX 7. Dept of E/DXXXX XXXX {$3800.00} 8. Dept of ED/ XXXX {$1900.00}

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 2021-03-18 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: Debt Recovery Solutions, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I payed this company comenity bank XXXX XXXXXXXX for a XXXX card in full in 2018 also a XXXX card. I payed the accounts for deletion & they have not been deleted from my credit reports. I think its very unfair that I payed these debts 3 years ago in full and it is still affecting me. Although when I became behind on these cards I reached out to them and let them know that I had lost my job because the company was sold and everyone stayed out of a job. They hit me with sooo many fees I still payed the accounts in full when I was able to do so. If I would have known that they were not going to keep their word and delete them from my credit reports, I would have simply not payed them. Its affecting me the same as before I payed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
LVNV FUNDING is claiming that I owe them {$620.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: Sequium Asset Solutions, LLC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: TX

Complaint narrative:
Recently you assisted getting FEDLOAN Servicing, who manage all my student loans, to finalize certifying my employer the VA as a 'public service ' agency that makes me eligible to remain in the Public Service Loan Forgiveness program. 
After i received a letter in XXXX, it stated that my employer is a qualified employer, however, FEDLOAN did not state the name of the employer. 
Either way, I notified you then that case was resolved. 

Now 1 month later, I asked that my payments from XXXX XXXXXXXX-current are converted to qualifying/eligibe payments that count toward my 10 years of Public Service.

The response i got from FEDLOAN is, that my employer is yet again ' under review ' and that the payments can not be changed as of yet. Injury to insult. 

Will you kindly assist, on my side.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received spoofing calls that were exactly as same as ICE and the local police department. Scammers were planned and cooperated well, and I was convinced to install an app on my mobile phone which gave them access to my mobile accounts. I noticed the transactions immediately, deleted the app, and drove to the closest Chase bank within 15 minutes of transactions. The banker told me they couldn't stop the transaction even though the transactions were still pending which lasted until the next day. I contacted their fraud detect depart and XXXX and made a claim, after a day of struggling because they kicked responsibilities to each other and transferred me to at least 10 different bankers ; after I insisted to follow the process of how they conducted investigations, bankers on the phone told me they would give me the claim number but wouldn't investigate at all since my case wasn't an obviously fraud ; from my understanding, my hard earn XXXX dollars just gone because they didn't want to stop the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: CA

Complaint narrative:
Received a letter from UNIFIN - current creditor is XXXX - {$12000.00}. Saying its from my current bank XXXX XXXXXXXX XXXX . However I bank with them and I do not owe them anything. I have a current open account with them. And Ive never received any thing from them asking me or telling me that I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: CONGRESS COLLECTION CORP
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18 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: ERC
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation