vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Bank won't let me cancel my " automatically '' renewed Credit Card they just sent to me in the mail via phone conversation because I have a new phone number. They can't verify my identity over the phone without me having to upload my digital Government ID. I am having trouble doing this and they won't make it easy. Protection? This is credit card that I want " OFF '' of my credit reporting because I " NEVER '' use it anymore and they are making it " UNNECESSARILY '' difficult.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Account # XXXX Synchrony Bank made a incorrect late payment to the credit bureau which reflected on my credit report. Im asking to have the action removed from my credit report as soon as possible and all payments to company are final.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I've disputed a negative item furnished by XXXX XXXX XXXX on all three of my consumer reports multiple times. 

I requested and received a validation letter of the item from XXXX in XXXX, 2022 where they admit to not being able to confirm or deny the accuracy of the item. 

Yet all 3 bureau 's keep allowing them to update this item as verified, despite XXXX 's admission in writing that they do not have the capability to verify the infromation. If a proper investigation and reinvestigation was really done by the bureaus I wouldn't have to write this complaint. 

As stated in 15 USC 1681i 5 ( A ). XXXX, Experian, and XXXX are all required by law as Consumer Reporting agencies to promptly delete this unverifiable information to keep the accuracy of my reports in tact and protect my rights to fairness in reporting. 

I am attaching the letter from XXXX to this complaint,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
XXXX XXXX  XXXX call about a loan taken out online at speedy cash in XXXX and called to try and collect I have never taken out loans on line for any type of credit I told the collection agency that I have never taken out a loan with speedy cash and he asked if I thought it was because of fraud I said yes and he directed to this site to report the fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
In the months of XXXX, XXXX, and XXXX I have disputed the same incorrect medical collection 3 times. This attempted collection is unverified and illegal per the HIPPA act of 1996. The collection agency is unable to verify per FDCPA guidelines. Credit union still refuses to remove this inaccurate and illegal reporting from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
In the months of XXXX, XXXX, and XXXX I have disputed the same incorrect medical collection 3 times. This attempted collection is unverified and illegal per the HIPPA act of 1996. The collection agency is unable to verify per FDCPA guidelines. Credit union still refuses to remove this inaccurate and illegal reporting from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
VyStar Credit Union embarked on a mobile banking upgrade XXXX  XX/XX/XXXX with a stated outage of XX/XX/XXXX - XX/XX/XXXX. They have been unable to bring their systems back online in any meaningful or useful manner in the two weeks since. 

In an online post on XXXX on XX/XX/XXXX, they stated they were " re-opening '' online banking via web browser only and no app for the stated near-term. What they have provided is an electronic " queue line '' in which you may be XXXX plus in " line '' and will wait for upward to an hours to gain access to sign on screen. In many attempts you will either not be able to log in, log in and only see balances and no transactions or simply have your connection reset to have to attempt the process again. 

There stance is to use ATMs, their XXXX cal center or go to a brick and mortar branch. I have found two ATMs in my area down when attempting that route, thus causing me to travel several extra miles to look at balances. Call queue times are extraordinarily long as are lines at branches. All of these solutions have financial impact as to the use of fuel and current gas prices.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I XXXX XXXX am a natural person, Federally Protected Consumer, Original Creditor, Principal and Authorized Representative for all accounts created by my seal/signature. This Demand is a response to willful disregard of the law by XXXX XXXX XXXX, XXXX XXXX COMPASS BANK COMPASS BANK is presenting a gross mischaracterization of an alleged debt. XXXX XXXX XXXX XXXXXXXX XXXX attempt to ignore my initial claim of COMPASS BANKs alleged theory that they are entitled to funds not owed to them as defined in 15 U.S. Code 1602 TRUTH IN LENDING ACT The EXHIBITS attached will show direct violations of 15 USC 1692e ( A ) the legal status of a debt 15 USC 1692e ( 3 ) the implication that any individual is an attorney The EXHIBITS attached will show direct violations of 15 USC 1692b ( 2 ) Stating the consumer owes a debt 15 USC 1692b ( 3 ) Not communicate with any person more than once 15 USC 1692b ( 5 ) the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
We were on a COVID-19 forbearance plan. When our forbearance expired we had entered into a streamlined loan modification program. We were required to make three trial payments of {$1100.00} during the months of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Upon the completion of the trial payments our loan was to be modified and reset placing the delinquent amount at the back end of our loan thus increasing our principal balance and the payoff terms of our loan. We completed the trial payments and waited four months to have the modification processed, all the while we continued to make payments that matched the trial payment amount. In XX/XX/XXXX we finally received the loan modification documents. We signed them and returned them via XXXX overnight within forty eight hours. The documents were received by our mortgage holder Flagstar Bank on XX/XX/XXXX at XXXX XXXX We waited another two months while still making payment for the loan modification to be completed. On XX/XX/XXXX we received our final completed and signed loan modification documents. Per the agreement our balance due was to reflect only the current month. It did not. A few days later some of the account had been reset but not entirely. The account reflected we did not pay our XX/XX/XXXX, XX/XX/XXXX, or our XX/XX/XXXX payments. This is factually incorrect because we have to call in to make our payments. I have my bank records. Print screens from their website, and payment confirmation letters from the three months in question. On XX/XX/XXXX, I received a letter in the mail stating if the delinquency was not resolved by XX/XX/XXXX foreclosure will immediately begin. I called Flagstar they seemed surprised a foreclosure letter went out and said I was protected. However they can not seem to figure out what happened to my payments and they will give me nothing in writing to prove they will not foreclose. Throughout this entire forbearance and modification process I have been in constant telephone communication with Flagstar. They constantly have no idea what is happening with my account and have a new or different reason for the delays every time I speak with 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 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Goal Structured Solutions, LLC
State: LA

Complaint narrative:
XXXX report was updated by removing the incorrectly reported XX/XX/2022 payment to current but now the creditor is reporting the XX/XX/2022 payment incorrect despite sending a letter stating that my loan has never been late which it has not been late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In acordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.15 U.S.C 1681 section 602 A States i have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish account information without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In acordance with the Fair Credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.15 U.S.C 1681 section 602 A States i have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish account information without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I've disputed a negative item furnished by XXXX XXXX XXXX on all three of my consumer reports multiple times. 

I requested and received a validation letter of the item from XXXX in XXXX, 2022 where they admit to not being able to confirm or deny the accuracy of the item. 

Yet all 3 bureau 's keep allowing them to update this item as verified, despite XXXX 's admission in writing that they do not have the capability to verify the infromation. If a proper investigation and reinvestigation was really done by the bureaus I wouldn't have to write this complaint. 

As stated in 15 USC 1681i 5 ( A ). XXXX, XXXX, and TransUnion are all required by law as Consumer Reporting agencies to promptly delete this unverifiable information to keep the accuracy of my reports in tact and protect my rights to fairness in reporting. 

I am attaching the letter from XXXX to this complaint,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I've disputed a negative item furnished by XXXX XXXX XXXX on all three of my consumer reports multiple times. 

I requested and received a validation letter of the item from XXXX in XXXX, 2022 where they admit to not being able to confirm or deny the accuracy of the item. 

Yet all 3 bureau 's keep allowing them to update this item as verified, despite XXXX 's admission in writing that they do not have the capability to verify the infromation. If a proper investigation and reinvestigation was really done by the bureaus I wouldn't have to write this complaint. 

As stated in 15 USC 1681i 5 ( A ). Equifax, XXXX, and XXXX are all required by law as Consumer Reporting agencies to promptly delete this unverifiable information to keep the accuracy of my reports in tact and protect my rights to fairness in reporting. 

I am attaching the letter from XXXX to this complaint,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX BANK XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I sent all three credit bureaus a letter via US Certified mail mandating that they " investiage every piece of information '' regarding the accounts in the letter sent. In addition, here are the Tracking # 's to the letters sent out : Experian Letter Tracking # XXXX XXXX Letter Tracking # XXXX Transition Letter Tracking # XXXX The FRCA defines " investigative consumer report '' as " a consumer report or portion thereofin which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' The credit bureaus stated my account was verified that is false because they did not do a proper investigation according to the law I mentioned above. Lastly, every piece of information on these account in question is not reported 100 % Accurate ; According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. 

ACCOUNT IN QUESTION : # XXXX with XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Transunion report was updated by removing the incorrectly reported XX/XX/2022 payment to current but now the creditor is reporting the XX/XX/2022 payment incorrect despite sending a letter stating that my loan has never been late which it has not been late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: XOOM CORPORATION
State: CT

Complaint narrative:
I received an email from Xoom as if I had an account with them. I never opened an account with them. I emailed them back several times and phoned them to inform them that I never open an account with them.

Their response Was we need to know the email you opened the account with and I told him I never opened the account. I Finally emailed them and told him the email I got the initial email from them and they said they would escalate it to verification. The verification emails I received from them said the same thing. I want them to close this account and they refused to do so and I consider this fraud Because I never open the account with them. Please contact them and tell them to closest account as I will do not want to do business with them.

This is one email from them. 

Xoom Dear XXXX XXXX, We're sorry, but the email address used to contact us is different than the one registered to your Xoom account.

Please send us an email from the address we have on file or contact us with questions and we'll be happy to assist you. 

Xoom Customer Service Security | Legal | Privacy | Privacy ( USA ) | About Us | Locations | Help Center This email has been sent by Xoom, a XXXX service. XXXX is committed to preventing fraudulent emails. 

Learn to identify phishing ref : XXXX : ref

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Chime Financial Inc
State: NC

Complaint narrative:
I made a purchase on XX/XX/2022 in the amount of {$680.00} from the merchant XXXX for a XXXX printer, the XXXX  XXXX XXXX. When I received the product it was defective and would not work. I contacted chime to dispute the transaction and I contacted XXXX and opened a dispute through them. XXXX looked into the matter and said I would get a refund, but chimes dispute put the order on hold, I provided the information to chime and they ruled that I would not get a refund because no billing error occurred. The information they provided me for why they denied the dispute makes zero sense and the document that was attached was issued 3 months before the printer was ever available for sale. Because of chimes chargeback dispute the order at XXXX was frozen, they have been unable or unwilling to unfreeze the order and so they tell me they can not issue me a refund to go through my bank. I have provided every bit of information to chime and they refuse to reopen the dispute and investigated. I spoke with a floor manager of the dispute department yesterday, XX/XX/2022, and he had me provide the evidence that XXXX said that they were issuing me a refund, and reopened the dispute as refund / credit not received. He informed me that that was enough information to grant me a refund, and then he escalated it to the rebuttal team. Less than 24 hours later in a investigation that is supposed to take up to 90 days I received an email that states that they will not be issuing me a refund and they consider the matter closed. I am currently out XXXX for a product I was sent that does not work.

Company response to consumer: Closed with explanation