vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-23 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: TX

Complaint narrative:
Regarding Trans Union Bureau On XX/XX/2021 I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that Trans Union has on file ; and on XX/XX/2021 I sent XXXX XXXX demand to comply with my initial notice dated XX/XX/2021. As of today I have not received the proof I requested. It has been 30 days and still noconclusion to their investigation. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Trans Union is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that they post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

Their failure to positively verify the accounts mentioned in my XX/XX/2021 XXXX notice has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
I lost my job due to XXXX in XXXX i reached out to my mortgage lender US Bank XXXX Mortgage and they put me on a forbearance plan. I got another job in XX/XX/XXXX and my mortgage forbearance was up in XX/XX/XXXX. I reached out to let U.S. Bank know that i had a job and would like to have my loan reviewed to see if i could get a lower payment and also wanted to drop the forbearance plan and resume payments after the loan was reviewed. The first time i tried to get my loan reviewed was in XXXX XXXX i applied for mortgage assistance online with U.S. Bank who stated that after they reviewed my loan i qualified for a temporary payment plan for 3 months and once they see i am paying my payments they will take me off that. I did decide to go ahead and accept this agreement and i made my first payment XX/XX/XXXX. I called the bank XX/XX/XXXX and they told me that that loan review was cancelled and that i wasnt eligible for that particular plan as there was something wrong with my principal. I was floored i had no idea what that meant and the XXXX Bank XXXX told me that i had to fill out another mortgage application which i did XX/XX/XXXX and submitted to U.S. Bank. I have called 3 times and finally got a rep that " seemed " knowledgeable and told me she would help me get everything straightened out and that she would call me back on Friday XXXX. Her name is XXXX and her employee ID is XXXX. I was happy to have someone helping me that was knowledgeable. I just looked back on the website and yet again my loss mitigation review was canceled. I have NO IDEA WHY. I tried calling U.S. Bank several times on XX/XX/XXXX and could not get XXXX rep to explain what is going on. I am utterly disgusted with this lender and how they do business. They are criminals! All i want to do is get my loan reviewed and tell me all y options so i can make the best decision and start to pay back my loan and XXXX AT THIS HORRIBLE BANK HAS HELPED ME WITH THIS! What are customers supposed to do if the lender is deliberately cancelling reviews and giving me the run around? HELP!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/XXXX, I sent a certified letter to Experian and XXXX to investigate the following inaccurate information on my credit report, which includes but is not limited to : Incorrect Names Incorrect Employment Incorrect Address Incorrect Credit Information In addition, I asked these XXXX companies to please send me all notices of corrections to anyone who received my credit report in the past XXXX months. 

These XXXX companies have failed to comply. My credit information on my report is very importand to me and I wish to get incorrect information off my report history as soon as possible. 

Thanks!

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 2021-11-23 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN ADVISORS GROUP
State: CA

Complaint narrative:
I started a refinance on a current XXXX Mortgage. I was approved for the loan and was told that everything would go fine since I was refinancing a current XXXX. Then I was told I had to get a property survey and pay for it out of pocket, the cost was {$2400.00}. I had to use my emergency funds for this survey, then they said it didn't give them the information they needed. They wanted the 100 year flood level. They made me do the research for this information, I contacted the Attorney General 's and was told that this information is not available. XXXX, who does flood zones has the area of where I live under Flood Zone D, it has never been mapped. 

They then would not fund the loan and the reason that was given was I didn't meet the income. This is what shows on my credit report, the real reason was because I was unable to give them information that doesn't exist. 

On top of that they are not willing to reimburse my out of pocket expense. They have been holding {$11000.00} of my money in a trust account for property taxes and homeowners insurance. The only money that has been used out of this account has been for the insurance. I am exempt from property taxes as I am a XXXX Veteran widow. They say they can't reimburse those funds even though they don't pay any property taxes out of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: NJ

Complaint narrative:
XXXX, Equifax and XXXX refuse to remove unverified information from my credit profile. I have disputed items on my credit profile numerous times and all XXXX keep sending letter saying all items were verified. These accounts are unverifiable and should be remove immediately, they do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: NJ

Complaint narrative:
Experian, XXXX and XXXX refuse to remove unverified information from my credit profile. I have disputed items on my credit profile numerous times and all XXXX keep sending letter saying all items were verified. These accounts are unverifiable and should be remove immediately, they do 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 non-monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
Collection Agency : PROFESSIONAL DEBT MEDIATION XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX Original Creditor Name : CLIENT : XXXX XXXX I XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX TN XXXX Date Assigned : XX/XX/XXXX Date of First Delinquency- XX/XX/XXXX Account Number : XXXX The debt had paid on XX/XX/XXXX, in the amount of {$600.00} after negotiation and they promise that the account will be close and remove from all credit bureaus. 
Now they want more money and telling me to pay, if not they will continue to report. 

XXXX has been past the statute of limitations of Texas. According to Texas statute of limitations and record retention period. I demand that please remove the information from my credit reports and cease all collection activity. 
They never replied to me or communicate with me, I have called so many times with no reply. I was able to reach out to XXXX, but they are very rude, and they are very unprofessional. They start cursing me and telling me to pay more money. 

Best Regards XXXX XXXX, XXXX XXXX : ( XXXX ) XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Executive Credit Management, Inc
State: MD

Complaint narrative:
In the XXXX, I became aware of my identity information being fraudulently used to lease an apartment in another state, resulting in collections activity. I notified the collections agency, Executive Credit Management, and provided the requested documentation. On XX/XX/2021, I received a letter from XXXX XXXX at the company stating they had confirmed my information was fraudulently used. Additionally, she stated that they had closed my file and rescinded all information sent to the credit reporting agencies as of the date of the letter. 

I also reached out to XXXX XXXX XXXX complex and provided them documentation of my stolen identity. Though initially helpful in confirming that the identity document provided by the thief was fraudulent, they never confirmed they had closed the debt. I reached out more than once by email with this request. 

On XX/XX/2021, I received a collections notice, again under the last name used fraudulently, threatening to pursue further collection efforts for the same debt they stated they had closed. I believe this is an attempt by the company to collect on a debt they know was fraudulent and does not belong to me. 

To note, with initial belief that the telephone calls from the debt agency were scams, I filed a prior complaint with CFPB ( case XXXX ). The company responded to the complaint on XX/XX/2021 that they removed their listing from my credit report on XX/XX/2021 due to my identity being compromised/stolen. 

Additionally, when I initially received written notice from this company in the fall I was concerned my identity may have been used fraudulently. I notified the company by certified letter, dated XX/XX/2021 that the debt did not belong to me and also requested the documents to which I am entitled under the FCRA as a victim of identity theft. The organization has still not provided those documents nor acknowledged my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I filed a credit card dispute with Chase Bank on XX/XX/2021 regarding an improper charge from XXXX XXXX XXXX for services rendered. My dispute involved poor quality goods and services provided as well as fraudulent and deceptive business practices employed by XXXX XXXX. A decision was issued on XX/XX/2021 by Chase Bank stating that they considered the disputed charges valid. As a result, a charge of {$1900.00} was re-billed to my credit card account. I then sent correspondence on XX/XX/2021 stating that I wanted to continue the dispute and that I was requesting a re-dispute of the charges. On XX/XX/2021, I received notice from Chase Bank that my dispute was continued and that they were researching the issue. To date, it has now been over XXXX billing cycles and over XXXX days since I received any correspondence from Chase Bank. In addition, the dispute remains open and the charges to include any associated interest and finance charges remain on my credit card account. Per FTC XXXX XXXX XXXX and the XXXX, disputes must be resolved within XXXX billing cycles and or no more than 90 days. This is a clear violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: AZ

Complaint narrative:
I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything I just submitted this compliant a week ago and you rejected and said it was done by someone else and that was discouraging. I am submitting this on my own and have studied credit disputing so please do not send a letter saying it was done by someone else. I will pursue litigation and seek damages if this dipute is not administrated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23 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: TX

Complaint narrative:
SEE ATTACHMENTS

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
SEE ATTACHMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Independence Capital Recovery, LLC
State: AZ

Complaint narrative:
On XX/XX/2021 XXXX XXXX with XXXX XXXX called my wife 's cell phone and my also my cell phone leaving me a voice message. He said he was trying to contact my daughter and her husband XXXX and XXXX XXXX about an important matter. My wife spoke with him on the phone XX/XX/2021 and said she will inform our daughter. He called my wife 's phone again the this morning at XX/XX/2021. This is harassment! 

XXXX XXXX lied to my wife suggesting my daughter and son in law listed my wife and I as second contacts which was not true. He broke the law. 

My wife and I don't owe XXXX XXXX any money. They have no reason to continue calling us and harrassing us. I contacted XXXX XXXX XXXX this morning and warned him to never contact my wife and I again. I also informed him that I was filing a complaint with the XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: IL

Complaint narrative:
I bank with Chime and last Friday, XX/XX/2021, there were a series of XXXX ATM withdrawal transactions around XXXX XXXX  for a total of {$600.00} withdrawn that were not initiated by me. My debit card was in my wallet on my person at the time so my card must have been skimmed. As soon as I realized what was happening, I locked my account to prevent any further transactions from occurring, of which there were at least XXXX or XXXX more attempts. The XXXX withdrawals, XXXX for {$100.00} and XXXX for {$200.00}, were pending over the course of the weekend and did not clear until Monday, XX/XX/2021. When I initially contacted Chime on the XXXX, I was told I could only lock my account at the time and request a new card but that I would need to wait for the transactions to clear in order to dispute them. I did on the XXXX as soon as I could formally with four forms submitted for each withdrawal to the Chime support team. Early on Tuesday, XX/XX/2021, the Chime team responded that nothing seemed out of the ordinary about my fraudulent charges and that they would not be reimbursing me in any manner. I then requested from them all documents associated with their short investigation into the manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
my old account with TD bank was opened online and was open with another accout with my name on it and i have no knowledge of it just recived oso checks in the mail then when to TD bank and they was the one who told me it was open online XX/XX/2021 with another account in my name cause they tranfored monet y from other accout to open the accout with TD bank. and i would like to press charges when we do find the person behind this please and thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: AL

Complaint narrative:
This debt for {$1000.00}, showed up on my XXXX XXXX report recently. I have no outstanding debt with XXXX ( account # XXXX ), in fact I have an account in good standing with XXXX. The company AFNI ( account # XXXX ), has sent me an affidavit on XX/XX/21 to supposedly correct the error. The company AFNI, has never notified me of a debt until it showed up on my credit report. There are requesting social security numbers, bank account information, proof of residency, copies of my license or passport. They have only told me they are requesting the proof of residency from XXXX - XXXX. I have no idea what they are talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: MA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Better Mortgage, Inc.
State: WI

Complaint narrative:
Hi, I have asked repeatedly for better mortgage to quit spamming me. I have blocked the initial individual ( XXXX XXXX ) so now they are emailing from a XXXX XXXX. 

Hopefully, this complaint will make them stop

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
In 2021, I received a physical advertisement from Venmo stating that I could open a business Venmo and on the card was the words " LLC. '' When I signed up I didn't see an LLC option, just partnership and corporation, and tech support said to just pick whatever and they would switch it to LLC after. 

I have followed up twice, last being today on XX/XX/2021, and I have been told that they still do not have the " LLC '' option and told me I should leave the account as a partnership even after I stated that this is a single proprietor LLC. 

Also, I tried to check this business account today and confirm my EIN was accurate for my LLC and they were unable to provide me with any means of seeing if I had an EIN on file and if it was correct. 

It is troubling for a financial service such as Venmo to engage in deceptive marketing and to not be able to manage a users account in accordance with their accurate business status.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23 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: AZ

Complaint narrative:
I have the following problems that need to be investigated, unauthorized inquiries, previous addresses and employers that are not mine and late payments and charge off accounts that are not correct and an account that is not mine, a letter is enclosed that explains everything I just submitted this compliant a week ago and you rejected and said it was done by someone else and that was discouraging. I am submitting this on my own and have studied credit disputing so please do not send a letter saying it was done by someone else. I will pursue litigation and seek damages if this dipute is not administrated.

Company response to consumer: Closed with explanation