vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-31 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: State Collection Service, Inc.
State: WA

Complaint narrative:
Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: WESTERN UNION COMPANY, THE
State: AR

Complaint narrative:
XXXX  AND WESTERNUNION FAILED TO FIRNISH ( MTCN ) NUMBERS FOR 3 FRAUD INDUCED SPEED PAY SREE ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: MN

Complaint narrative:
I opened a checking account online around XX/XX/2021 with Huntington bank. I deposited {$25.00} into the account. Huntington bank closed my account for reasons related to " risk ''. Which is interesting because I have opened accounts with other larger institutions since then, with zero problems. I have contacted customer service multiple times via chat and telephone asking when I will be refunded. They keep telling me the account is in the process of being closed. Its been over two months, does it really take that long to close an account and refund my money?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 I sent a letter to XXXX  and TransUnion. XXXX  has deleted this account but TransUnion continues to report. I have not received an updated credit report as requested so at this time I have not received a response from TransUnion LLC. 
Please see attached documents.

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 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed and submitted an FTC report for fraudulent accounts on all 3 credit bureaus. None of the accounts were deleted. 

XXXX  - XXXX XXXX XXXX {$1000.00} Transunion - XXXX XXXX XXXX {$1000.00} XXXX  - XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1700.00}

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 2021-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I disputed and submitted an FTC report for fraudulent accounts on all 3 credit bureaus. None of the accounts were deleted. 

Equifax - XXXX XXXX XXXX {$1000.00} XXXX  - XXXX XXXX XXXX {$1000.00} XXXX  - XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: LendingPoint Holdings LLC
State: OR

Complaint narrative:
I called LendingPoint to ask if they could help with my payments as I lost a job in XXXX of XXXX. 
I asked for interest only payments or some plan to ensure I stay current. 
I made it clear I could make my payments but would like help to preserve cash flows until I got a new job or received unemployment. 
They said they could pause my payment. 
They made no mention they would report my payment as late to credit agencies. 
I never agreed to that plan if they would have said we will pause the payment but affect your credit. 
I made it clear I could make my payments and did not a want my credit affected knowing I could make the payments and would have income soon. 

They then paused my payment and 2 months later reported me as late on the payment even though it was auto drafted and paid. 

On XX/XX/XXXX, I called to speak with them about the issue and they said they would open a claim with the QA department and contact me within 72 hours. I also stated that they need to hear the recording so that they know I did not agree to the plan if it affected my credit or that they did not mention it would affect my credit as I would not have agreed to that. 
I did not receive a call back within 72 hours or at all. 
The information is still on my credit. 
I called back on XX/XX/XXXX and they said the claim was submitted but no other information was given except that I missed a payment. They had no other info and would not offer any info on the recorded call or what was agreed to or not agreed to. 
They said a QA department reviewed it in secrecy and would not disclose the details of the call. They stuck to their claim my payment was late. 
Not only are these actions illegal but immoral and wrong. 

Ive made my payments. 
They need to remove the late payment remark on my credit fully, not add a not but remove it and reinstate paid on time and fix my credit. 

My credit score dropped XXXX points!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX

Complaint narrative:
The issue, alongside Problem with the payoff process at the end of the loan ( refinancing, extending loan ) I just submitted ( email and via XXXX XXXX site ) and stated ( phone ) the following : Hello, I am disheartened at the service I just received. I am issuing my request ( and will hold receipt ) to have all of my banking information removed from your system. I made this same request over the phone a few minutes ago with a manager/escalated call - I do not authorize payment from the debit card ( XXXX ) on file. 

When I set up a payback/payment plan, the disclosure that I repeated and affirmed did not list the form of payment. To be rude and say why would I assume and not ask yourself is rude. I have been receiving deposits in one  bank ( XXXX ) and paying back with another ( XXXX Debit Card ) due to your system originally not matching/approving/authorizing the account ( XXXX ). If this should not have been done, you should not have allowed it. If that has been the pattern, why would I not " Assume '' it would be the same. 

[ Added : I do not get the needed funds deposited in XXXX. But in XXXX. I called to inquire on the mentioned pattern and was allowed to set my account up as such ] ALL of the calls are recorded and I will be requesting copies for it legal, alongside citation of federal law I did not want to even have to use, as I was trying to be a good customer/consumer. 

I simply called to express the issues and request a refund for insufficient funds for XXXX and XXXX because payback was not set-up properly. Your disclosure and agreements should be updated with such. 

I respectfully wanted to be heard and understood and middle ground. 

Your tone and treatment towards someone who was trying to get a {$170.00} refund and set-up proper repayment was met with rude treatment. 

I will be reporting you. 

Again, this is my official and legal request for you to cease action on the current payment plan and do not use my banking sources. 

I hope quality assurance reviews the calls, and you retrain your staff. 

So disappointing to an accountable, loyal customer. 

I sent the same via your site. 

-- XXXX XXXX ( please remove my name if you use on your site ( CFPB ), thank you ) I had to set this up due to financial difficulty ( death in family and travel )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
The company has been posting " late payments '' to the credit bureaus since XXXX. I have challenged the reporting and have presented documents which show payments have been made every month on time since the beginning of the company 's servicing of the loan. The company 's documents and mortgage statements do not reflect a " late payment '' charge for any of the months where " late payments '' were reported to the credit bureaus. I have repeatedly asked for the " late payments '' over the last XXXX  years to be removed. The company has refused to do it and the credit bureaus have maintained the " false reports '' in their records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: NJ

Complaint narrative:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC 1666 ( b ) and FCRA 15 USC 1681 ( a ) ( 4 ). Truth and lending act and the latter is right to privacy. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: Army and Air Force Exchange Service
State: WA

Complaint narrative:
Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;

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 2021-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: PA

Complaint narrative:
Got a VA loan in XX/XX/2021 with a payment of {$2200.00} now the mortgage company is changing to {$2400.00} due to a shortage in the escrow. I feel that we were enticed to a loan with a lower payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31 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: CCS Financial Services, Inc.
State: WA

Complaint narrative:
Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: EQUIFAX, INC.
State: NY

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I wanted to open a saving account with Marcus Bank and they rejected my application saying that they could not find and validate my identity. I have valid SSN, XXXX, Passport etc. so why they would reject my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: NV

Complaint narrative:
XX/XX/2021 XX/XX/2021 XX/XX/2021 i signed up for automatic transfers. funds never transferred into my savings account. and funds never reflected a full amount on deposit day.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: REGIONS FINANCIAL CORPORATION
State: AL

Complaint narrative:
My wife and I did not receive our EIP card with our stimulus money. After several months I checked with Regions Bank to see if they could help. According to Regions, our EIP card with our {$2400.00} stimulus was redeemed at their branch on XX/XX/2020. Neither my wife nor I have ever seen the card, and I think it was stolen from the mail and redeemed. Regions claims they no longer have video of the drive through on that day. I have been working back and forth with Regions and the IRS since 2020 and I'm still without a resolution. 

Regions tells me that I need to contact the IRS and the IRS tells me I need to contact my bank and the card issuer. I have contacted the card issuer, who I believe is XXXX XXXX XXXX and they tell me to contact my bank. My wife and I are retired and very much need this stimulus money.

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 2021-08-31 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: DISCOVER BANK
State: IL

Complaint narrative:
In XXXX of 2020. Discover bank reported an inaccurate missed payment to XXXX, XXXX, and XXXX. This is inaccurate information. I have never missed a payment and there is proof in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: CBC Companies, Inc.
State: RI

Complaint narrative:
Hard inquiry on my credit file on XX/XX/24 by Factual Data XXXX on behalf of XXXX XXXX. I did not apply for a mortgage or a loan and did not authorize this inquiry. I have locked my credit file, placed a fraud alert with credit reporting agencies, disputed the inquiry with the credit reporting agencies, and have contacted Factual Data to alert them that I am not applying for a loan and I'm concerned this is fraud/identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I have filled a dispute in regards to the incorrect information on my credit report. It has been well over 30 days and I haven't 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 2021-08-31 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: WA

Complaint narrative:
Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;

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 2021-08-31 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: WA

Complaint narrative:
Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;

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 2021-08-31 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Dynamic Recovery Solutions, LLC
State: IN

Complaint narrative:
I was sent a fraudulent letter in the mail asking for credit card information to collect a debt I don't have.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: RI

Complaint narrative:
I deposited {$70.00} into my CashApp account from my XXXX  XXXX XXXX account on XX/XX/XXXX at XXXX. I no longer needed the balance so I transferred the total balance back to my XXXX  XXXX XXXX account on XX/XX/XXXX XXXX {$76.00}. I have contacted cashapp and they sent me on XX/XX/XXXX {$1.00} since the transaction wasnt instant. However the problem is and remains to be I have not received my {$76.00}. The customer service representative emailed back on XX/XX/XXXX with an incorrect deposit amount and transaction ID saying to contact XXXX  XXXX XXXX. Im tired of going back and forth. I have yet to receive my deposit of {$76.00} to my XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Mercedes Benz Financial Services
State: OH

Complaint narrative:
This lender has failed to release the lien on my auto title despite the loan having been paid in full for over the 30 days permitted by state law. The loan was paid off on XX/XX/XXXX, and I have made multiple requests for the clear title. I called again yesterday ( XX/XX/21 ), and was again informed that the title has not been released, with no answer of when I will receive it. This has now resulted in TWO deals that have fallen through where I have arranged to sell the vehicle, but the buyers have backed out due to not having the clear title in hand. I will be filing a lawsuit as a result. They are in violation of state law by not releasing the lien within 30 days of the loan being paid in full, and for the monetary loss I have sustained by being unable to sell the vehicle that I rightfully own outright.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31 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: NY

Complaint narrative:
I called transunion numerous times and they have not resolved this issue. These are unauthorized inquiries and must be removed immediately.

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 2021-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm filing a complaint against the credit bureaus because on XX/XX/2021 I sent them letters about accounts on my credit that are wrong and this companies havent updated my reports. I am in the process of trying to get a loan for a house and the fact that they have not responded to me is unacceptable and definately violates my rights a consumer. I am promised a response in 30 days and it has been well over that. At this point I demand the items I am disputed be removed. I know this companies like to use stall tactics because I have made complaints before but I am the only person that is fighting the wrong things on my report and nobody else. I will attach the letters I sent.

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