vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-27 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: OH

Complaint narrative:
On XX/XX/2021 I asked transunion, XXXX, and XXXX  to stop reporting my consumer report because I never gave them consent under 15 us 1681b without written consent its identity theft I never gave transunion the authorization to report, furnish any on 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 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
On XXXX I disputed a {$1200.00} I requested that the debt be validated in that request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: CT

Complaint narrative:
I XXXX XXXX XXXX for my elderly mother, and one of them is a 4 family home that we secured a mortgage on with KeyBank. This winter, one of the tenants had a fire which destroyed her unit and caused some exterior damage and minor smoke damage to the other units. We contracted a company that specializes in fire damage, and a public adjuster to represent us with the insurance company. The repairs were completed over 2 months ago. We received a final payment for " recoverable depreciation for building damage '' that the insurance company held back until the repairs were completed, and we were given approvals by the local building inspector. The check was made payable to my mother, the public adjuster and the bank. I have been trying to get the bank to endorse the check for the past month and a half, and they keep putting one obstacle after another in front of me. The check was for {$21000.00} and is needed to pay off the adjuster for his services. No one at the bank seems to have any accountability or sense of urgency in resolving this issue. The most recent effort involved them sending an inspection company that they hired to ensure all the repairs have been completed. He was able to inspect the repaired unit, and all the common area hallways and stair wells. He claims that he was unable to inspect the occupied units, even though all 3 tenants claim they were home. He set up another time to go, I notified the tenants of the time, and they claim he never came. Then he asked if I would have the tenants send me pictures of each room in their units, which I did. Then I circled back with the bank to see if they would now release the endorsement. Then they claimed the inspection company would not sign off on anything until they had more pictures, pictures that the inspector should have had no issue getting each time he allegedly went there ( common areas and attic ). I am at my wits end trying to just close this matter up, and the bank doesn't seem to care about it one way or another. My most recent contact at the bank is a Ms. XXXX XXXX ( " Lead Specialist '' in the KeyBank corporate office claims department ( XXXX, phone : XXXX ) Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: GA

Complaint narrative:
I have attempted to correct the information on my Transunion report four times in the past with the following closing dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All disputes have been futile. I am in the Total and Permanent XXXX status with my XXXX  student loans, with the loans ( including a Joint loan with my spouse ) having been transferred to XXXX last year ( XX/XX/XXXX). However, the joint loan stills shows. My problem is that Transunion is showing this loan twice on my report, one for {$86000.00} ( correct amount ) and one for {$83000.00} ( incorrect amount ). Basically, this is a dual report of the same loan as I have only one joint loan with my spouse.

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 2021-07-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2021, I sent my first letter to the credit bureaus. I have sent several letter since then. I have not received a response on behalf of my complaint. XXXX XXXX is inaccurately reporting on my credit file. The past due amount is incorrect, the date of last active is incorrect and the date of last payment is incorrect. This is a violation. I have been very patient and now ready to move forward with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Spring Equity LLC
State: FL

Complaint narrative:
The company Im having a issue with is Spring EQ over a Home equity line of credit. I have attempted to contact them over 6 times, I have email transcription of all the attempts made and yet no response via email or by telephone has been made to me to resolve the issue. This is is a simple as they come, you have to be a irresponsible or simply incompetent to not being able to resolve this. Upon the disbursement of funds I received 4 checks to pay off creditors, one of those checks came for the incorrect amount. This was after I sent up to date statements and even gave the information to a rep, still the check came in incorrectly. I need a check resubmitted to me for the right amount and the difference be issued to me since the new check is less than the amount originally owed. The escrow company cutting the check has heard NOTHING, Spring EQ has not responded to any of my inquiries. All I want is a correct check issued for the creditor and the difference provided to me! For a consumer to have to go through this is absolutely incredible, Im reporting this because there shouldnt be this disconnect of communication of any funds - specially when it has to do WITH MY HOME! I expect a response from some on about this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2021, I sent my first letter to the credit bureaus in regards to an account that is inaccurately reporting on my credit report ( XXXX XXXX ). XXXX XXXX is reporting my date of last active and date of last payment inaccurate. I have sent a letter asking them to verify, validate, and investigate this account. I have yet to receive a response after several attempts. I have been patients but they have had more than enough time to properly investigate my requests. This is a violation.

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 2021-07-27 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Control, LLC
State: TX

Complaint narrative:
Ive asked to not be contacted by phone which the person that called said ok. Im now receiving up to 8 calls in a row daily from these people.

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 2021-07-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
On XX/XX/2021 I sent an international money transfer via MoneyGram to my father in XXXX, I received a notification few minutes later stating that the transaction was cancelled and the funds were already taken from my account. I been reaching out to Moneygram and they keep stalling to refund me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX I disputed a {$120.00} collection I requested that the debt be validated in that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: Bridgecrest Acceptance Corporation
State: VA

Complaint narrative:
I traded my car in and the financer did not process the payoff check which was sent to them on XXXX hence making my account delinquent. Subsequently they continued to not process that check for almost 60 more days. This negatively effected my credit and when I asked why didn't they process the payoff check they said it was short {$440.00} dollars. I payed that out of my own pocket but Bridgecrest XXXX still sent negative reports to my credit agencies. Finally they processed the payoff but it is still showing as a delinquent account. I disputed it to no avail but I think their process was improper, unfair and unjust! Can this be remedied by someone and my credit standing restored please! Thank you.

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 2021-07-27 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I've been battling with XXXX XXXX XXXX  and XXXX XXXX XXXX regarding inaccuracies pertaining to my credit report. They claim they can not remove or correct my report since they sold the account before bankruptcy discharge. However, when speaking to the entity ( XXXX XXXX ) that the account was sold to I was told since they are not the company reporting the account that it is XXXX XXXX XXXX XXXX responsibility to fix the errors or delete the account. 
Furthermore after XXXX XXXX  XXXX made reply to previous complaint they sent me an email stating they would provide me with copy of original contract which contradicts their response to the previous complaint stating they can't fix the credit report because they don't have any information. 
XXXX XXXX XXXX is blatantly violating my consumer rights, making fraudulent statements that contradict each other and violating the FCRA by refusing to delete the account within 45 days of originally disputing their reporting errors.

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 2021-07-27 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: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
I've been battling with check n go and XXXX XXXX XXXX, regarding inaccuracies pertaining to my credit report. They claim they can not remove or correct my report since they sold the account before bankruptcy discharge. However, when speaking to the entity ( XXXX XXXX ) that the account was sold to I was told since they are not the company reporting the account that it is Check N Go 's responsibility to fix the errors or delete the account. 
Furthermore after Check N Go made reply to previous complaint they sent me an email stating they would provide me with copy of original contract which contradicts their response to the previous complaint stating they can't fix the credit report because they don't have any information. 
Check N Go is blatantly violating my consumer rights, making fraudulent statements that contradict each other and violating the FCRA by refusing to delete the account within 45 days of originally disputing their reporting errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XX/XX/2021 I deposited {$300.00} into a atm at Huntington. The machine went down and it kept my money and didnt give me a receipt. They said my money never got deposited.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TN

Complaint narrative:
On XX/XX/2021 I noticed that a Bankruptcy was listed on my credit profile. I called the Court House and asked if they share any information with the credit bureaus, but they shared that they do not. I sent a letter to TransUnion asking that they need to delete and remove this information, but they responded saying that the information was " verified as accurate. '' I then sent a letter to the U.S. Bankruptcy courthouse stating that TransUnion reported this information as accurate, so I asked the courthouse to send me all documentation that they used to " verify '' my identity with TransUnion. The Courthouse responded with a letter saying at they do not in fact share any information with third party gatherers ( letter is attached ). This is a pure violation against the FDCPA and my privacy has been breached without my consent.

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 2021-07-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Opportunity Financial, LLC
State: MI

Complaint narrative:
I visited the site, but I do not have a loan with OppLoans. Yet, I received correspondence about a payment coming forth on XX/XX/2021. When I attempted to call and question the matter, the line is always busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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:
I noticed accounts displaying on my consumer report that are a violation to my rights as a federally protected consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX  XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/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 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
On XXXX I disputed a {$120.00} collection I requested that the debt be validated in that request.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: OH

Complaint narrative:
On XX/XX/2021 I asked XXXX, equifax, and XXXX  to stop reporting my consumer report because I never gave them consent under 15 us 1681b without written consent its identity theft I never gave transunion the authorization to report, furnish any on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: TX

Complaint narrative:
On XX/XX/2021 I mailed a check for the current payment due by XX/XX/XXXX to Kohl 's, sending it to XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX. On XX/XX/XXXX I had to make an online payment to avoid late fees. That check FINALLY posted on XX/XX/XXXX. 

On XX/XX/2021 I again mailed a check for the current payment due, and that check took 24 days to post. 

I have 2 other Capital One credit cards that go to different post office boxes, but in the same city and they post in 3-5 days. 

This account seems to have a problem checking the post office box for payments!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On XXXX I disputed a {$1600.00} I requested that the debt be validated in that request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
It all started around XXXX on Saturday XX/XX/XXXX. I had dinner with a friend earlier in the evening and we had stopped off at a spa on that was open late. The massage ended around XXXX and even though I had charged my card inside the place, I wanted to leave a cash tip, so I went to the ATM outside. I put my card in and the ATM was acting bizarre. It had the XXXX XXXX and was spinning constantly. I tried a few more times and somebody came by to " help me '' with the ATM. I found it bizarre, but he just seemed drunk and helpful. I shrugged him off and told him I had it. 

Unfortunately, no money ever came out and I just left. Somewhere along the way I must have dropped my card because when I awoke the next morning and my bank was negative XXXX. I don't know if the man who " tried to help '' stole my card and saw my pin number, but I do know what the charges were : -a {$10.00} deli charge - {$100.00} to XXXX XXXX two large ATM WithDrawls {$200.00} and {$800.00}, plus a bunch of balance inquiries at XXXX, with one of them in an entirely different borough! 

I called TD and they cancelled my card, but said I would have to wait for the charges to clear to file a claim. The next Tuesday ( XX/XX/XXXX ), I was finally able to file the claim. I never heard back from my bank -- for an entire week. I reached out today and they replied that they couldn't prove that it wasn't me. 

I am stupid, I know for dropping my card, but my bank clearly hasn't looked into the ATM security footage or any other point of an investigation. I have lost all faith in them and I don't want to stay there any longer, but not until they sort this out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: AZ

Complaint narrative:
I have sent countless disputes regarding fraud on my credit report. These accounts aren't mine and have been removed off of XXXX, but XXXX  and Transunion aren't processing the dispute and not sending me letters in the mail ... .. 

I am demanding them to block these accounts within the legal time frame pursuant to section 605B of the FCRA. My rights are being violated!

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