vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-07 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: PA

Complaint narrative:
I am a victim of identity theft. I have lots of information in my credit information that are inaccurate. Please excuse me of these items, It is affecting my job and livelihood.

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 2021-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: United Shore Financial Services, LLC
State: NY

Complaint narrative:
I want to understand why are banks charging customers for past due interest during the Covid-19 Mortgage forbearance process? I can call out two specific banks, United Wholesale Mortgage and XXXX XXXX. Both are charging customers interest that would have been part of missed payments during the forbearance and by default increasing principal balance of mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Date of transfer was XX/XX/XXXX and promised to be there XXXX XXXX 2021 still as of today XXXX XXXX 2021 still no funds available company name is Venmo App Chat Sounds like scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: MA

Complaint narrative:
TransUinon continue to violate the FCRA with XXXX account XXXX. This account has been illegally Re-Aged from XXXX to XXXX. Re-Aging account is a serious violation of the FCRA. This account has multiple Violations of the FCRA. I had provided proof documentation directly from the credit report circled and highlighted for the CFPB review. 

( 1 ) Violation of the FCRA illegal Re-Aging account from XXXX to XXXX. 

( 2 ) Violation of the FCRA not putting the required notice of dispute in the comments after I have disputed this account multiple times. 

( 3 ) Violation of the FCRA inconsistent reporting by TransUinon with this account.

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 2021-10-07 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: Comerica
State: MS

Complaint narrative:
Previous complaint to Comerica Bank ( XXXX ) was forwarded to the Direct Express Cardholder Advocacy Group XXXX who sent emails to me, requesting additional information. They provided a telephone number ( XXXX ) XXXX and email address, XXXX. ( Wrong information from Comerica caused me to withdraw that complaint and initiate another that went to Direct Express. That new complaint was deemed a duplicate and closed. Fortunately, the first complaint had reached the correct target. ) I received the first email on XX/XX/2021 in which the advocate asserted that she had made more than one attempt to contact me by phone and left a voice mail message. My phone records did not show any missed calls nor did I receive any voice mail message. The second and third emails were sent to me on XX/XX/2021 and included a letter telling me I have until XX/XX/XXXX to contact them or they will close their investigation. I have made repeated calls to the phone number provided and always get voice mail. I also sent several emails outlining the reason for my dispute and providing them my contact information. Direct Express representatives have put in requests for the XXXX XXXX to call me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-07 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:
XX/XX/2021 I wrote a letter to the credit bureaus about few items that I seen on my credit report. all my letters that I sent out was certified so I can keep up my documents. I will attach my letters, return receipts and my proof of identity so you can help me with this matter because this is crazy and outrageous that these credit bureaus are putting these items on my report like this and I don't appreciate not one bit. It's effecting me to a point that is making it hard for me to get approved for a mortgage so I can get my family a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: PA

Complaint narrative:
I am a victim of identity theft. I have lots of information in my credit information that are inaccurate. Please excuse me of these items, It is affecting my job and livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Texas Guaranteed
State: VA

Complaint narrative:
On XX/XX/2021 the federal government made it possible for those who had defaulted on their student loans to get a refund of the payments they were making to get their loan back in good standing. I had been doing this for 7 months thru Trellis. I requested a refund of the money. I had been paying them $ XXXX/month for a total of {$930.00} when this possibility was made possible. I requested my refund of the {$930.00} on XX/XX/2021. They still have not refunded my money. I have made 3 attempts to contact Trellis and find out why. Each time they say the money was sent to the wrong address ( meanwhile I have received regular correspondence from them at my mailing address ) and they would send me another check. They initially told me it was processed on XX/XX/XXXX then again on XX/XX/XXXX. I still do not have my refund. When trying to escalate to a supervisor, they say the same thing as the first line employee. They have been no help and beginning to believe they are not sending it. Any help would be appreciated. Thank you for your time and attention to this matter.

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 2021-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: DISCOVER BANK
State: LA

Complaint narrative:
This is my 2nd complaint against Discover Financial Services. In their previous reply, they stated on XX/XX/2016 that my account was placed with XXXX XXXX XXXX XXXX. On XX/XX/XXXX, a lawsuit was filed with the XXXX XXXX District Court and on XX/XX/2016, service to you of the lawsuit was completed. In their response, there are several violations under USC Title 15. The first violation as a consumer, is Discover, sharing my private consumer credit transaction with XXXX XXXX XXXX. Federal law states that a consumer credit transaction is private. Discover violated my privacy by sharing my information with XXXX XXXX XXXX and by " filing '' my personal consumer transaction information with the local court. Also, the only court that has jurisdiction according to federal law is a federal court and not a local judicial court. Me signing and agreeing to pay was out of fear, not knowing my rights as a consumer and not knowing that Discover had no right to share my private consumer information with anyone without my written consent. Furthermore, Discover states that I was served on XX/XX/2016. That is not true, as the documents for service were provided to my father XXXX XXXX. After he was given the documents he called me at work to state, " you have papers delivered by the sheriff from Discover saying you owe them almost {$2000.00}, ''. Again, they violated my privacy by serving " illegal '' court documents to my father. Where was my right to privacy as a consumer. As a consumer I am protected by Federal Law. As a result of the violations, especially my privacy, I demand that the account be deleted to prevent Federal filing for compensation of {$1000.00} per violation by law. Discover Bank, needs to prove, in writing, with my wet signature, that I gave them permission to share my private consumer information with XXXX XXXX XXXX or the XXXX XXXX District Court. Also, provide proof from the service that I, personally signed for and was served the documents that were filed in court. Failure to provide either proves a violation of my privacy. So, to prevent legal actions in Federal Court, deletion of the account from all credit reporting agencies is demanded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have attempted to dispute an error on my credit report with experian and they are unwilling to help, they claimed they investigated my dispute the same day i disputed, the error is that chase is reporting my account late 6 times which is a complete lie and the other error is that this is a corporate credit card which never should have been allowed to be reported to my credit report. Our company has had this card for 4 years and never once has it been reported to my personal credit until this month. 


Account info Account name XXXX XXXX  Account number XXXX Account type Credit Card Responsibility Corporate

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 2021-10-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Radius Global Solutions LLC
State: AZ

Complaint narrative:
I got a bill related to XXXX from XXXX on a XXXX XXXX, this was to be paid by my health insurance. I repeatedly ( at least 10-phone calls ). I called both insurance and XXXX and doctor office billing department of XXXX XXXX to get the problem fixed. I also sent in fax with insurance info. I had both insurance and XXXX on a 3-way call and thought this was finally after 14-months resolved. The next thing I see is a major deragatory report on my, otherwise stellar credit report from Radius Global. I never received any warning of debt collection attempt prior to this credit report filing by them.

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 2021-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I purchased my XXXX XXXX XXXX XXXX in XX/XX/2018. I co-signed the vehicle for my husband, My husband got laid off right before the pandemic and we decided to possibly trade in the truck because we could not afford my car payment and the truck car payment. We took the truck to several dealerships for trade in and we were told that the XXXX XXXX was a XXXX  Import and no car dealership would buy the truck from us because the truck holds no warranty value in the U.S. The dealership ( XXXX XXXX ) located at XXXX XXXX XXXX, XXXX, IL never told me that I was purchasing a XXXX Import and no dealership will accept a XXXX  Import. I feel hoodwinked. When I contacted XXXX XXXX that just blew me off and told me it shouldn't be a problem. Now I'm constantly late on my payments, I have no other choice but to pay when I can or eventually will have to give the truck back to Ally that finances my car. I asked for my disclosure from XXXX XXXX and Ally and still no response. I would like to get out of this deal because I can't trade in the vehicle, I'm upside down in the loan, I constantly keep getting negative marks on my credit report because I'm late paying. Dealerships should inform customers when they purchase XXXX Import vehicles and educate the consumer on the outcomes/reprecussions when they get a car that was not purchased in the U.S.A

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 2021-10-07 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i have attempted to dispute an error on my credit report with experian and they are unwilling to help, they claimed they investigated my dispute the same day i disputed, the error is that XXXX is reporting my account late 6 times which is a complete lie and the other error is that this is a corporate credit card which never should have been allowed to be reported to my credit report. Our company has had this card for 4 years and never once has it been reported to my personal credit until this month. 


Account info Account name XXXX CARD Account number XXXX Account type Credit Card Responsibility Corporate

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 2021-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ROBINHOOD MARKETS INC.
State: MO

Complaint narrative:
I HAD an app Robinhood on my phone to transfer money I had my bank listed n someone got into my account n transferred money out without my authorization!!!!! It wasn't taken from my bank it was just from my Robinhood account {$190.00}!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian recommends credit cards that have exorbitant fees and interest rates, under the guise of " improving credit scores '' by " increasing the amount of available credit. '' This gimmick is then marketed to desperate consumers who then find themselves trapped with a card with low credit limits and fees of at least {$100.00} annually, service charges, 29 % + in interest. One such company XXXX XXXX XXXX offers such a card with high fees, and upon a consumer 's request for an increase- they are reminded of the 20 % fee per {$100.00} in additional credit before routinely denying requests. Although consumers make timely payments, they will never maintain the 70/30 recommended credit use ratio- because the fees and interest usually account for 30percent usage alone.

Experian needs to stop recommending rip-off credit cards, and XXXX XXXX XXXX no longer needs to provide such a deceptive credit product. Consumers credit scores will moreover never increase, and will spend large amounts in fees, interest, and random charges by compaines they trusted because EXPERIAN recommended them.

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 2021-10-07 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: MI

Complaint narrative:
US DIST CT Account has reached statue of limitation cant be validated {$23000.00} XXXX XXXX XXXX XXXX Validate Account {$7000.00} Us Dept Ed Validate Account/ Different dates of last activity {$10000.00} XXXX Validate Account

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 2021-10-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On my credit reports the total amount owed on my student loans is incorrect. The account is listed on my credit report as XXXX 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 2021-10-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On my credit reports the total amount owed on my student loans is incorrect. The account is listed on my credit report as XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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: FL

Complaint narrative:
On my credit reports the total amount owed on my student loans is incorrect. The account is listed on my credit report as XXXX 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 2021-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
this company has hired a third party to collect a debt and refuses to accept payment. this company continues to play games in regards to debts owed. they don't accept payment and want me to pay a party that is not legally entitled to payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 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 have contacted all three Credit Bureaus/Agencies ( XXXX , Equifax, XXXX ) and the Creditors ( XXXX XXXX XXXX ( 3 ), XXXX XXXX XXXX , XXXX, XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX , and XXXX XXXX ) involved in this matter several times trying to resolve this issue. Notifying them that they were not in compliance with their incorrect report per FCRA and that the accounts were fraudulent and that I'm a victim of identity theft. In return to tell me that these fraudulent accounts were verified and/or belonged to me or no response at all. None of these companies have provide me with any proof such as any original documents bearing my original signature. Either way, the reporting requirements do not comply with FCRA Section 611 ( 15 U.S.C. Section 1681 ) and the information must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: CORELOGIC INC
State: NJ

Complaint narrative:
Obtaining loan from credco from the dealership but was denied

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 2021-10-07 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: FL

Complaint narrative:
I sent a letter previously, asking to reinvestigate the accounts being reported to my file but the bureaus never responded back. It has been over 60 days since then and I have not any response yet. I think I am being taken for granted, being taken advantage of and being ignored of my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly.

I demand these accounts 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 2021-10-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Uptaining credit for a car load but was denied

Company response to consumer: Closed with explanation