vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-11 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: CA

Complaint narrative:
I have made numerous attempts for a year to XXXX on an alleged account called XXXX XXXX XXXX # XXXX to be removed from my credit due to inaccurate reporting and FCRA violations via certified USPS. I've sent certified mail to the alleged collector asked for original consumer contract with my signature and what service i am being charged for. XXXX XXXX did not respond, they have no original consumer contract. I requested in writing XXXX provide me with validation documentation of the reinvestigation not verification. I receive the same response from XXXX, verified with no valid documentations. XXXX willfully failed to conduct a reasonable investigation into my dispute because when requesting documents into their investigation the refused to provide anything.An assumption is not a valid reason under the FCRA. without a valid contract they are violating the law. Reporting this account " Open '' as a " Collection '' with a " past due balance '' of {$410.00} clearly violating FCRA as well as my rights. i requested for the account to be deleted because it was violating FCRA laws and guidelines, XXXX refused to delete the account.The account until today is being reported with XXXXwo different names, two different addresses, two different dates the account was open and two different dates of last activity on two different credit bureaus.The original creditor is listed as XXXX XXXX XXXX XXXX which does not exist. XXXX  XXXX opened an account dated XXXX XXXX with no contract, i have that in writing which i will save for court.The violations XXXX is continuing to report are astonishing. XXXX has hurt my credit and violating my rights according to FCRA laws & guidelines. XXXX is abusing the system, violating any laws or guidelines?

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 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
On XX/XX/2019, I applied for an Amex Sky miles XXXX card and got approved immediately, they pull my XXXX credit report. I decided to look at other credit card offers that I pre qualify for on the website which was the XXXX  and XXXX XXXX  credit card. Altering submitting in the application, I was denied. The same day I contacted the customer service line, to find out what was the reason. A rep stated I had several collections and my ut is very high, I stated to her that incorrect. I waited a week later because I was told I will get noticed in mail however I didn't. 2 days ago I contacted there customer service line and was transfer to the reconsideration department where they will manually review my account and get back to me and will pull my credit again. No one ever got back to me so I decided to call and to hear bad new they will not consider my application even though I was told yes they will and will run my credit again. my credit is over 740 's, I have zero collections, I have less than 2 credit inquires .... with that being said I will decline there reason for denial. Consumer where born with open end credit which means creditors should not deny us credit. 15 US 1691, says we shall not be denied or discriminated when it comes to approval of credit. I feel as if they have no valid reason of denial and this is unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
My XXXX XXXX XXXX credit card serviced by XXXX XXXX XXXX continues to charge foreign transaction fees for purchases made in US dollars on US sites. On at least 5 occasions they charged fees of {$0.00}, {$2.00}, {$0.00}, {$1.00}, and {$1.00} ( a percentage of transaction ) for transactions they did not have to convert to USD to post to my account. The transactions were completed and processed in US Dollars. One of the transactions was even for a in store pick up transaction in Ohio. The explanation given by customer service is that they use the company 's base as a definition of a foreign transaction and expect a customer to know where the base is located. This feels like a deceptive process. No purchase was made in another country or shipped from another country. No currency conversion has taken place. The transaction is in US Dollars.

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 monetary relief
Consumer complaint received 2022-03-11 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:
I am a federally protected consumer, natural living person. I am not being coerced by any third party or agency. I am submitting this complaint with my own free will and I am aware that my personal information is being used fraudulently and I am demanding to have this information blocked from my consumer report. Enclosed will be the FTC report as well as dispute letter for the account to be blocked.

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 2022-03-11 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
Hello, I am submitting a complaint after several rounds of dispute letters. However, these negative items are still reflected in my credit report. XXXX  student loans are still being reported to my credit after proof of discharge letter was sent to be removed at once! I didn't attend school there so it needs to be removed! Secondly, XXXX XXXX is still being reported in my credit profile when the loan account was paid in full and transferred to XXXX XXXX XXXX XXXX XXXX ). Why is this XXXX XXXX account still reporting as opened when it was sold and transferred. I have attached proof for both accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: CA

Complaint narrative:
My family and I have been affected by COVID19 so I longer hold employment. SEEDFI is still forcing me to continue my payments when I clearly told them I wouldnt be able to afford the payments of {$200.00} a month to report positive payments on my credit profile. Once I told them I could no longer afford the payments they deferred payments for 2 MONTHS I was behind on one payment and they advise me that they already gave me a grace period and if I didnt make a payment they were going to report negative information on my credit profile. I tried explaining to the company that it isnt like I dont want to pay, Im just not working right now and cant afford it. Ive work extremely hard to build my credit profile to change my familys lives. Id like to someone how close this account and remove this company from reporting due to the stressful situations this is causing no only for me, but my family as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
National Credit Adjust is reporting inaccurate information to my credit report. 
-PAST DUE AMOUNT : This section is incomplete across all credit reports, delete immediately -LAST REPORTED DATE : This section is incorrect across all credit reports, delete immediately -DATE LAST ACTIVE : Is incorrect on all three credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: PRESTIGE FINANCIAL SERVICES INC
State: MD

Complaint narrative:
I financed a vehicle with them in 2018 never had a later payment. I basically went to the dealer and traded my car in, and bought another vehicle. Then all of a sudden they started saying i owe them {$11000.00} the car was paid off as a trade in. So this information is inaccurate, and needs to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: OH

Complaint narrative:
On XX/XX/2021, I sent a dispute to the XXXX credit bureaus and they have not responded with any dispute updates. Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) account must be deleted if not 100 % accurate, timely, complete. I have a XXXX XXXX account listed on my credit file each bureau have a different account number which I do not recognized. ( See Attached ).

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 2022-03-11 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: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
CREDITOR NAME : SANTANDER CONSUMER USA AMOUNT : {$8900.00} DATE OPENED : XX/XX/2019 ACCOUNT NUMBER : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc.
State: LA

Complaint narrative:
The card keeps showing restricted, Every other week I have to keep calling them. They unrestricted it and they did it again this month. When I call them they put me on hold and never come back saying theyre looking at my account. I dont understand what kind of company does this.

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 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
This complaint is with PayPal Credit. I originally made a purchase with an XXXX dating subscription. I used PayPal Credits deferred interest for 6 months on purchases over {$99.00}. When XXXX kept putting up the same people that I had already discarded, over and over, even PayPal Credit said that such was unacceptable. It is not acceptable that anyone should just take what is happening with the website. I tried to resolve it with XXXX first, to no avail, then contacted XXXX and disputed the charge. PayPal credit has not decided in my favor. I do not find this reasonable. The website is saying that the subscription is no longer accessible and reflects a balance of {$170.00}. In addition, PayPal Credit is also asking for {$170.00}. If XXXX has a balance of {$170.00} that they claim I owe, then why is XXXX inaccessible and asking for {$170.00}. The fact that I havent even been able to access the site and have been going around and around and not getting anywhere is enough for me to be done!

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 monetary relief
Consumer complaint received 2022-03-11 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: IL

Complaint narrative:
a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft transunion must remove the inquiries immediately. 

XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion

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 2022-03-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: KEYCORP
State: WA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) sent me a debt collection letter stating I owed them for my private student loans that were disbursed in XXXX and charged off XXXX XXXX which is 15 years after I opened the debt and the end of the re-payment period. 

I asked XXXX for debt verification as the lender has no record of any of my original debt. XXXX sent me the private loan application I completed in XXXX and a summary of my payments, including the charge off in XXXX. It still claims I owe them for the entire debt. 

They did not provide proof that I still owe the debt, that the original lender has any record of this debt, or what amount is currently owed- they are claiming I owe the original amount that was disbursed. This is fraud and financial exploitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted in writing a request for the immediate removal of incorrect spelling of names, addresses and phones numbers on my consumer report to all three agencies. I attached my drivers license for proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
Hello, I am submitting a complaint after several rounds of dispute letters. Clay cooley is still being reported in my credit profile when the loan account was transferred to XXXX XXXX XXXX XXXX XXXX ). Why is this Clay Cooley account still reporting as opened when it was sold and transferred. I have attached proof for both accounts. The account status is incorrect, please remove this from my credit profile. This has already been claimed on my taxes as well

Company response to consumer: Untimely response
Consumer complaint received 2022-03-11 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: LA

Complaint narrative:
I modified my home Mortage after Covid forbearance. Once I completed the trial period my Mortage company reported the late payments which dropped my credit score XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-11 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: PA

Complaint narrative:
Today which is XX/XX/2022 in called Transunion XXXX. I spoken with someone and i informed them of inquiries on my report that i did not authorize which were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ask them to show me a signature or any signed document that i authorized these inquiries and told them since i did not authorize them they legally have to be removed. I was told they could not be removed. I know that everything in my report has to be 100 % accurate according to the FCRA and these inquiries are not

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 2022-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I sent a payment to a coworker. 

This payment was returned and both of our accounts were frozen. 

They asked us for our ID Cards. We both sent in our Driver 's Licenses. 

Then my account was closed, with {$2000.00} in it. And I was told I had to wait 180 days for the money to be returned to me. 

I read their Terms of service and the transaction to my coworker in no way violated their terms of service. 

I reached out to them again for an explanation and am not being given an answer as to what rule I violated. I feel like their algorithms are running wild and canceling accounts with no human oversight, as if a human were to look into this I don't believe my account would be canceled. 

I need access to my money, it is alot of money to me, and is creating undo stress and hardships for me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2021 I opened an account online with Suntrust Bank. The following month in XXXX my husband and I received our tax refund which was filed electronically using XXXX XXXX software to the Suntrust account. We attempted to purchase a vehicle on XX/XX/2021 within days of receiving our refund but we were not able to complete the purchase because Suntrust had frozen my account without my knowledge. I was unable to use my debit card or transfer any funds out of the account. I contacted Suntrust Customer Service and was advised there would be an investigation. I was also advised this could take several weeks and I would receive a letter when the investigation was complete. I noticed via text message a significant amount being removed from my account during this investigation period. I also called Suntrust to inquire about the suspicious activity which they showed no knowledge of. I was then advised by Suntrust to email their fraud department at the email XXXX.During this time we were XXXX having to live in hotels and relocating. My husband and I had to live separately in different cities for seven months until we could gather funds to move into our own place. WE had planned to start our own companies with these funds. After calling and waiting for months I contacted the IRS to explain the issue. The IRS issued a trace for the funds. We completed this process twice, I was informed by Suntrust this would be the final step to receive our funds back. I have talked to several representatives who have given me various excuses without a lot of information. The total of the funds being held is {$15000.00}.

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 2022-03-11 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: OH

Complaint narrative:
On XX/XX/2021, I sent a dispute to the 3 credit bureaus and they have not responded with any dispute updates. Under the FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) account must be deleted if not 100 % accurate, timely, complete. I have a XXXX XXXX account listed on my credit file each bureau have a different account number which I do not recognized. ( See Attached ).

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 2022-03-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: VA

Complaint narrative:
Our settlement company requested a loan pay off statement from United Wholesale Mortgage on XX/XX/22. The settlement company never received it so they asked us to reach out to United Wholesale Mortgage to try to get it ourselves. We reached out on XX/XX/22 and United Wholesale Mortgage claims it was in our online document center but it was not there. We called again on XX/XX/22 to try to get them to send it, but then they claimed their document center went down. So then they said they could fax it, but no one has received it. We called UWM to ask them to fax it to a different number ( in case there was an issue with the one they were sending it to ) and they claimed to have faxed it, yet no document. We called again and tried another fax number. Still no document. We tried the chat feature three times on XX/XX/22 and called four times on XX/XX/22 and the best we were able to get was Ill tell my supervisor, he isnt answering his phone. We now close tomorrow morning ( XX/XX/22 ) and we dont have the document. I read they have 7 days to produce this from the time we asked and they have not fulfilled this requirement. They claim they did fulfill it, but none of their faxes went through to multiple numbers ( so it their system failing ) and it was not in the document center and they refuse to help in any other way, so I dont know what else to do at this point. I feel helpless.

Company response to consumer: Closed with explanation