vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-19 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: TX

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
Yesterday, XX/XX/XXXX, I made a payment in the amount of {$200.00} to my credit card. My credit card has a limit of {$250.00}. I used an external account, which is an account that is not in the bank where the credit card is associated. I have made my payments on time for more than two years. I have not had any returned or bounced payments. I have used two external accounts to make payments for this credit card for over two years. Today, XX/XX/XXXX, I checked online to ensure that my balance reflected the payment I made yesterday and it did not. My balance still showed the same amount as before and there was a statement under my account stating that " available credit will update on XX/XX/XXXX ''. I pride myself on keeping my credit usage below 30 % so every month before my statement is released and before the bank reports to the credit bureau, I ensure that my balance is paid to at least 30 %. It is extremely disappointing that I have shown loyalty to a financial institution that is treating me like this. I feel like I'm being punished for using my credit card and paying it off every month. I was told by one representative, XXXX, that it could be due to me making irregular payments ( {$50.00}, {$170.00}, {$200.00}, etc ) that my account was flagged and my funds were placed on hold. I escalated  the call and spoke with a supervisor XXXX who told me that it was likely that my payment was being verified and that my payment of {$200.00} in contrast to the balance on the account at the time of {$240.00}, caused the account to be flagged and the {$200.00} placed on hold. Again, I have used this external account for over two years so I'm not sure why it was flagged. It's extremely frustrating, stressful, and disappointing. I expect more from USAA and right now I'm not getting more. I'm getting stress, headache, and sadness. If my credit score is lowered because my credit utilization is high from USAA not applying my payment, I will be extremely upset I worked really hard to increase my credit score and maintain good credit over the years. Even if that's not the case, even if the payment is applied but the monies are just not  available to me that is still an issue. USAA is not being reliable right now and not showing support to me, who has been a loyal customer in banking, investments, and insurance over the years. I'm really hurt by this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: MA

Complaint narrative:
How are you doing? It's been more than 60 days since that i tried to dispute this and still no results. I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-10-19 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: MA

Complaint narrative:
How are you doing? It's been more than 60 days since that i tried to dispute this and still no results. I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
How are you doing? It's been more than 60 days since that i tried to dispute this and still no results. I was shocked today when I reviewed my credit report again and found late payments for my student loan accounts. I disputed this account and nothing was sent to me to legally verify the accuracy and legitimacy of this reporting. It continues to report incomplete, inaccurate, and unverifiable information, and therefore, it's impossible that it was investigated and verified as being accurate Hows it possible that youve reported me 90 days late with no late payments prior to that like the 30 and 60 days, and questionable balance still reporting? Also, wasn't XXXX  student loan servicer sued for not applying payments to consumers accounts correctly. This is reporting in violation of my rights and honestly, i don't want to waste your time nor mine going back and forth, and I would like this removed from my credit as I was never late the way you're reporting it.

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 2020-10-19 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reportsI never received any notifications in regards to the investigation results. It has now been over 60 days, I filed a 60 day demand to comply with the credit bureaus and still have yet to receive any response. The Initial dispute was sent on XX/XX/2020 and the 60 Day demand to comply was sent on XX/XX/2020.

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 2020-10-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CMG Financial Services, Inc.
State: TN

Complaint narrative:
/The buyers of our home is using CMG Mortgage as their lender. The loan was scheduled to close on XX/XX/20 but the lender had not scheduled the appraisal until XX/XX/20 so they asked for an extension to XX/XX/20. On XX/XX/XXXX they claimed that the loan officer hadn't reviewed all the borrowers ' financial information and asked for extension to XX/XX/20 On that date they claimed to still be reviewing the documents and asked for an additional extension to XX/XX/20. On XX/XX/XXXX the claim was that one document ( disclosure ) hadn't been signed and they needed three extra days. It is now XX/XX/XXXX and now the Mortgage Co. does not respond to calls. 
I don't understand this as I have moved out of my house and am living in a hotel. HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: MO

Complaint narrative:
I've call the credit bureaus in the past about my credit score. I have NO collections, NO late pays, NO charge offs, No negative credit lines in my report. Yet my scores are in the mid 500s. I dont understand how this can be fair to me. I work hard to make sure I pay all my Bill 's on time. During this pandemic, I've used my available resources to get by to make sure I dont miss any payments. I've been turned down for loans and had to use financial services with high interest rate. Please fix my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: MA

Complaint narrative:
Refused a completely entitled chargeback. 

Our flight was cancelled in XXXX. I was unable to reach XXXX for several days after this. They refused to provide details or confirmation of a proper refund. They offered a physical ( Paper ONLY ) voucher and insisted I drive to their XXXX XXXX XXXX office to pick it up. Of note, I live in XXXX and XXXX was in the MIDDLE of a pandemic as THE US hotspot for cases. When I asked for a cash refund they refused to provide any confirmation of this outside of a verbal one " call back in a month or two to check on the status ''. I initiated a charge back on my card. Chase overturned this chargeback after XXXX simply attached their user agreement with nothing else. I appealed, XXXX then apparently sent them information implying I was given a voucher, which is a lie, fraud, whatever you want to call it. I have received no communication from XXXX for months, and speaking with someone for a refund is impossible as this juncture. I am still out XXXX dollars for a flight which they cancelled and refused to give me a refund for. 

Specific to Chase itself. They provided no details as to why the issue was overturned. They simply sent me a copy of the XXXX " terms and conditions '', the DOT and FTC guaranteed that airlines must reimburse flyers for cancelled flights. Chase didn't care. Chase also failed TO INFORM ME of losing my case, they merely inserted an XXXX dollar charge onto my account. Importantly they inserted that charge ON A PAST STATEMENT. I had to look back a month in order to find this charge. 

They refuse to " reopen '' the chargeback case. I was originally told to send a secure message which I did. That message " expired '' on XX/XX/XXXX, they never reopened my case, and failed to provide me with details of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TX

Complaint narrative:
I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of XXXX. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I received a call from a woman named XXXX XXXX in regards to a fraudulent check I supposedly deposited into an old bank account XXXX XXXX XXXX. She claims to call from XXXX XXXX  XXXX XXXX XXXX  XXXX. She claims that I was approved for a loan with XXXX XXXX XXXX and that theyre holding me criminally liable for depositing this check. She has contacted my employer and repeatedly called my phone. Things have now escalated to the point where weve been going back and forward through text messages. She referenced the car I drive as a threat, and stated that I could serve 10 years in prison. When I contacted the three entities that shes referencing-XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX National Credit Adjusters they stated that they do not work with any such law firm. XXXX XXXX also provided me with an email confirmation indicating that this is fraudulent. Miss XXXX repeatedly threatened me with imprisonment and legal action and used my personal information to make her claims sound legitimate. She has my full social security number she also has my license number and Im afraid that identity has been compromised. I have text message proof of our exchanges, she also sent me a picture of her computer screen to prove, shes not contacting me off of her personal cell. I also have a saved voicemail she was initially calling to speak with my boyfriend because supposedly has his name tied to a case. She later stated that she was only trying to get in touch with me. I understand that these matters should be ignored off the basis that she has no real claims and that this is a scam, but Im very concerned about her having my personal information. She has been messaging me since last week. Her phone number has already been reported to XXXX  XXXX XXXX XXXXXXXX XXXX XXXX. When she contacts my employer she calls from a XXXX area code I have the exchanges between my employer and myself after searching that number they found reports of it being a scam on XXXX also. Fortunately theyre aware but this is turning into harassment. Miss XXXX claims that they will proceed with criminal charges and her last message to me was that she will continue to call my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I made a transaction with Paypal on XX/XX/2020 and the money still on hold and Paypal do not help me to cancel this transaction. Paypal do not give me the option to get my refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report and discovered an inquiries that I have no knowledge of. 
Because I did not apply for credits, I have also reached out asking that they remove the inquiry from my credit profile. 

Please start an investigation.

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 2020-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I would like to dispute unauthorized inquiries on my credit report. I retrieved a copy of my credit report and discovered an inquiries that I have no knowledge of. 
Because I did not apply for credits, I have also reached out asking that they remove the inquiry from my credit profile. 

Please start an investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19 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: TX

Complaint narrative:
I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of XXXX. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

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 2020-10-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been mailing letters requesting that items on my credit report be verified with detailed information sent to me, as well as other information that were reporting inaccurate to be removed, and lastly I have gotten no response from them in regards to my requests. I have not been notified when an investigation was launched yet alone if it was completed. This problem has existed since XXXX of XXXX. It's frustrating because the inaccurate information and unverified accounts are causing mishaps in my finances.

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 2020-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
As of XX/XX/2020 XXXX administrator of Firstdata credit card processing services decided to unilaterally stop depositing funds that were due to my business as a result of goods sold at XXXX XXXX. First data ( XXXX ), said the reason they decided to withhold funds, is that one ACH did not process from my XXXX business back in XX/XX/2020. Firstdata ( XXXX ), made no attempt to notify me of a the problem in the ACH withdrawal in which they claim, they sent no bills, no emails or any communication regarding this error. As a result, the business XXXX XXXX has been wrongfully and unjustly withheld it's funds of nearly $ XXXX over the course of the last 5 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MT

Complaint narrative:
I refinanced and payed of the loan on XX/XX/XXXX, Loancare customer serviced showed a XXXX  balance on that date. On XX/XX/XXXX they took out a payment of XXXX. I called that day asking why and when do get my money back, they said it would take 10 to 15 business day to get it all back. I call on XX/XX/XXXX and they told me the escrow check was mailed on XX/XX/XXXX but not any overpayment. The said they are checking on it and would contact me. I call a few minutes later and they told me an account was set up and it would take 24 to 48 hours to process and I ask for an overnight check because of their error which XXXX admitted they made but she would not promise me it would happen that way. This totally unacceptable. They took this money on a closed account. They should not be able to do this anytime especially during this stressful time. Im complaining not only for myself but all Veterans.

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 2020-10-19 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: MS

Complaint narrative:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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