vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This issue cause my credit to take a dive with XXXX  transactions. I could not understand why my score was so low. I just paid of a home through a sell. XXXX is causing my stress and grief with purchasing a place to live. They reported incorrect information of 30 and 60 day late payment for the month of XXXX was not received. I provided the proof they needed and my credit file has jet to be corrected. Last status is its being worked. I have not received any notification of the process. I missed only the month of XXXX, and paid what I though was XXXX on time but was for XXXX all cleared up in XXXX. I continue to suffer having received 30 day late in XX/XX/2019. I've since contacted my banking institution and provided the transaction trace number for them to verify and correct my account and Credit ASAP

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 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My XXXX  profile is updated with showing my current credit utilization and recent payments for the month of XXXX, but XXXX  and TransUnion is not updating my two open accounts. The information is not changing and only staying the same. 

I am making payment and keeping my utilization low but TransUnion and XXXX  is failing at reporting my currents updates. They are not reporting or updating my profile like they should and how XXXX  is.

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 2020-08-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Caliber Home Loans, Inc.
State: NC

Complaint narrative:
I have a VA loan with Caliber Home Homes based in Texas for my primary home. I received a Uniform Residential Loan Application on XXXX XX/XX/2020 with all of my personal information ( soc security number, date of birth, home address, loan amount, type of loan ) in the mail, signed and asking me to initial and sign for an UNAUTHORIZED refinance I did not consent to. I have received numerous phone calls ( 4 in one day ) from different phone numbers followed by emails XX/XX/2020 on a consistent basis from XXXX XXXX at Caliber home loans ( almost harassing ) in regards to refinancing my VA home loan with Caliber Home Loans. I have not inquired nor given consent for contact about a refinance loan. As a military veteran this is appalling that a company would try to take advantage of consumers, trying to force and obligate them to any unwanted or solicited refinance, products or services. I have contacted the company several times asking them to remove me from outgoing solicitation for refinance, no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Byrider Franchising, LLC
State: MA

Complaint narrative:
I see multiple 30 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
XXXX : I had scheduled a payment to be transferred to my daughter 's mother for my child support of payment {$280.00} on XX/XX/2020. As of today XX/XX/2020 my recipient has not received the money sent yet the funds have been deducted from my account. I have called Chase numerous times and it has even now been escalated to the executive department, but even then my understanding of that department is to get them ready for inquiry from a government agency as I had already indicated to them that I was going to be submitting my complaint with the CFBP. 

Background : I have been using this method to transfer funds for upwards of five years. I have not had an issue with it ever. Also, this transaction is done twice a month and has been like that ever since I started using Chase 's QuickPay feature. 

Issues : I was never contacted and told that the funds are being held. I got the same payment notification that I normally get when I send funds. No department is/was able to tell me why the funds are being held ; and till this day no one is still able to tell me why the funds are being held or what is the expected date that the funds will be available. All any agent could say is that they funds would be there eventually or that I would receive some notification on it. The denomination is to small to trigger a red flag and the amount is consistently sent to trigger some sort of fraud activity. If it had not been for my XXXX 's XXXX to let me know that the funds have not gone through I would have not know that she never received the funds. Lastly, I had to send another child support payment to cover the transfer that has not gone through ; even though there is no resolution on the pending payment. My daughter 's mother was even lied to as she was told, XX/XX/XXXX, that the funds would be available the next day, XX/XX/XXXX ; of course that never happened and still the funds are pending. 

Ethical Dilemma : Thankfully I am able to cover the transfer that has not gone through. ( The transaction on, XXXX XXXX, went through with no issues. ) It is however very concerning in a time when families are experiencing financial difficulties that a bank is able to hold funds for upwards of 15 days without any explanation. With still no notification that it had even been held. With no customer service rep being able to answer what is going on. This type of confusion causes distrust with banks. When consumers start to feel distrust with banks and stop depositing money with financial institution it can cause a real problem. Families need to feel they can depend on the financial institution to handle their business and keep them fully informed on what is going on. Not to mention that there are families that would not have been able to do what I did and send the money again while the original payment is still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.my identity has BEEN COMPROMISED AND THIS INFORMATION ON MY REPORT IS VERY INCORRECT. XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$5700.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXX XXXX {$460.00} XXXX XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I am in school working on completing my XXXX. I started the program in XX/XX/XXXX and still working on my Dissertation. However, I received a letter in the mail from Navient dated XX/XX/XXXX stating that my in-school deferment will expire in XX/XX/XXXX. So, I called Navient to inquire thinking that I had received a scam letter. The phone tech stated that the letter was legitimate and that the in-school deferment for a private loan with Navient is 48 months -- yes 48 months. The phone tech proceeded to explain that the loan deferment will be up on XX/XX/XXXX and that the payment will become due on XX/XX/XXXX even though I am still in school. I am not aware of any new educational law change regarding student loans, and I have not reached 48 months in-school deferment. I am not sure what is going on with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My XXXX  profile is updated with showing my current credit utilization and recent payments for the month of XXXX, but Equifax and XXXX is not updating my two open accounts. The information is not changing and only staying the same. 

I am making payment and keeping my utilization low but XXXX and Equifax is failing at reporting my currents updates. They are not reporting or updating my profile like they should and how XXXX is.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: GA

Complaint narrative:
I filed two complaints with CFPB # XXXX & XXXX in regards to a XXXX debt that did not belong to me. The collection agency XXXX XXXX and/or XXXX XXXX company could not validate the debt ; or provide the documentation I requested when I mailed a certified letter and disputed this debt. In turn the debts were removed from my XXXX credit report on XX/XX/2020 & removed from my XXXX credit report on XX/XX/2020. 

The XXXX debt has now reappeared on my credit report from a new collection agency named " Allied Collection Servic XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. '' Which should have never re-reported back onto my XXXX and XXXX   credit reports with a new collection agency. XXXX failed to validate the debt and by law they have to remove this account and no longer report ; by law they can not keep collecting on a debt that DOES NOT belong to me.

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 2020-08-31 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: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
Unsatisfactory and damaging services were charged to my credit card by XXXX on XX/XX/2020 and they were notified immediately. A dispute was filed with SunTrust, my credit card, and their ruling of XX/XX/XXXX appears to have nothing to do with the protest filed. See letter recently sent SunTrust dated XX/XX/XXXX with documentation.

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 2020-08-31 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.my identity has BEEN COMPROMISED AND THIS INFORMATION ON MY REPORT IS VERY INCORRECT. XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$5700.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$40000.00} XXXX   XXXX XXXX {$460.00} XXXX XXXX {$11000.00}

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 2020-08-31 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name.my identity has BEEN COMPROMISED AND THIS INFORMATION ON MY REPORT IS VERY INCORRECT. XXXX XXXX XXXX {$390.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX {$600.00} XXXX XXXX XXXX {$560.00} XXXX XXXX {$5700.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX XXXX XXXX {$40000.00} XXXX XXXX XXXX {$460.00} XXXX  XXXX {$11000.00}

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 2020-08-31 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX {$21000.00} XXXX XXXX XXXX XXXX XXXX {$750.00} XXXX XXXX XXXX {$460.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00}

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 2020-08-31 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIRST CITIZENS BANCSHARES, INC.
State: TX

Complaint narrative:
Hi, I found the public promotion running at First Citizens Bank 's website ( https : //www.firstcitizens.com/landing/your-bank/index.html ) in late XX/XX/2020 and I decided to open the Free Checking Bundle as it advertised on the website. The promotion was to receive {$300.00} when open a Free checking account bundle and complete the following requirements : ( 1 ) Establish a direct deposit of at least {$1000.00} per month OR make 10 debit card transactions within 90 days of account opening. ( 2 ) Enroll in eStatements ( 3 ) Open a new savings account.

There was no promotion code/ offer code requested during the application process nor was there any place to include one during the application, so I assumed it was automatically included in the application. 

I completed all the promotion requirements in a timely manner : the checking and saving accounts were opened and funded on XX/XX/2020, I enrolled in e-statement the following day, and completed my 10 debits transitions by XX/XX/2020 and also a bill pay transaction on XX/XX/2020. Based on the promotion criteria, bonus should be posted anytime within 120 days after all qualifier have been met. 

The 120 days of bonus payout date has long passed and I have yet received the bonus payment as of today ( XX/XX/2020 ). Contacted the customer support regarding this matter but they were not helpful.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Due to the pandemic, I have temporarily stayed w/ friends outside XXXX area and wasn't able to collect any physical mail from my residence for the whole months of XXXX. This specific credit card had {$0.00} balance but due to an annual membership they charged me during one of these months, I was not aware of any balances, resulting in a late charge fees and interest rate charges. I paid the annual membership amount, and sent this credit card company an email to please waive the late payment fee, due to COVID -19 challenges, but they refuse to. No sure what else to do, if I can not afford to pay these late fees. See email history. How can i get them to help me during this hard times. 

From : Comenity Bank Sent : Monday, XX/XX/XXXX, XXXX XXXX ( ET ) To : You Subject : Re : Late Fees or Finance Charges Message ID : XXXX I am with Comenity Capital Bank, which handles everything related to your Mastercard account. I'm happy to help you today. The late fee charged to your account is correct. We charge late fees when the full minimum payment is not received by the posted cut off time on your scheduled due date. We've already credited a one-time late fee to your account. On XX/XX/XXXX, your account was credited {$27.00} as a one-time courtesy. Your account is not eligible for another credit at this time. Here 's how to avoid late fees in the future. We suggest that you mail your full minimum payment to us at least seven calendar days before your due date to avoid a late fee. You can also pay by phone or online. As of today, your account balance is {$140.00}, and your minimum payment of {$38.00} is due on XX/XX/XXXX. If you have any questions, please click the reply button. Sincerely, XXXX Internet Customer Care Team Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- This is a request for a a late payment waiver and its corresponding interests : Due to this annual membership, it automatically was placed on this card, but due to pandemic, I was temporarily out of my current residence ( XXXX XXXX XXXX ) and unable to receive my correspondence by mail. I am hoping you can waive the late payment and its interests incurred during the month of XX/XX/XXXX. Thank you for your consideration and understanding during this time of uncertainty. P.S Note that a payment for annual membership for the amount of {$110.00} has been submitted on today 's date thru XXXX account and should be reflected on your system by XX/XX/XXXX XXXX, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31 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: OH

Complaint narrative:
Equifax has non-verifiable account reporting to my credit report. The accounts have NO Creditor, please delete ASAP. Here are the account number and amounts : # XXXX {$65.00} # XXXX {$93.00} # XXXX {$97.00} Also, I requested Method of Verification and Validation of Debt for this these accounts and have not seen any response : XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Consumer Financial Protection Burrow, This attatched is documentation of Experian possible fraudulent activity, please look and read below, thank you. 
The charges were not authorized by me. Experian claimed to increase my credit score by attaching my bank account to the app to show on time bill payments. I did this step and thought nothing of it. 

Today XX/XX/XXXX my husband noticed an Experian charge. I called multiple phone numbers found on the website, internet, and a number given to me by XXXX ( found associated with the charges ) and I could not get a live person or dispute my Experian charge or close my account. I was able to cancel my free membership. 

XXXX has blocked this vender from future withdrawals as well as disputed all 6 charges totaling $ XXXX do not know the outcome of the disputes yet. 

I can not get a live person to dispute this or shut my account down, on Experians end. 

Experian still has my checking account information and I fear that they will use another vender ID to continue to withdraw from my account. I have been unable to close my account as of today XX/XX/2020. 

I ask that the CFPW investigate this and I appreciate your time. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2020-08-31 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
TD Bank ( backs the Target Red card ), appears to be taking advantage of consumers during this pandemic. 

Without notice, they lowered my account limit, never late, from {$2500.00} to {$1300.00} this month. 

Here is the communication to them : " It appears, without notice, my credit line was reduced, never been late. This changed my credit utilization from 46 % to 89 %, negatively impacting my credit score. I  will be filing a complaint with CFPB, there is a better way to treat customers, if you said " We want to reduce your credit limit in 90 days, to {$1300.00}, I would have paid it down to avoid a high credit utilization percentage ''. This is NOT the time to be ruining people credit rating. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Mr. Cooper on XXXX through their computer system is claiming we do not have homeowner insurance coverage. This is incorrect. After waiting on the phone for a long time we we dropped once the first agent transferred us to the insurance team. We do have coverage and Mr. Cooper is in possession of policy documents.

Company response to consumer: Closed with explanation