vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-01-27 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and XXXX! This is very inconvenient on my part!

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 2021-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Account Ending in XXXX Capital One CID : XXXX CFPB Complaint ID : XXXX It has been over 90 days and Capital On has not returned my money that was fraudulently taken from me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I hired this lady and paid her via XXXX XXXX to make documents for my business. Never received anything from her and I want my money back. She apparently lied to the bank and got my credit reversed back.

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 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
TRANS UNION said they could not find my credit file due to they need more identification proof in the form of social security id, paystub, utility bill, and XXXX to complete investigation. I will attach a copy of the identification proof in this complaint.

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 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I would like to file a formal complaint against Transunion, XXXX, and XXXX  for FAILURE TO INVESTIGATE OR REINVESTIGATE multiple inaccuracies on my credit file. 

These credit bureaus are in violation of FCRA for 1. Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct the error.

2. Failing to provide the method of verification.

3. Failing to provide all relevant info, ( sign contracts, etc. 

In XX/XX/XXXX I sent my first investigation request to Transunion, XXXX  and XXXX  requesting an investigation into multiple inaccurate accounts. Some accounts were deleted, however multiple accounts remained with inaccuracies. In XX/XX/XXXX I sent verification request which allows 15 days in which neither Transunion, XXXX  and XXXX  never responded to my dispute request. In XX/XX/XXXX I sent a third request again asking to have the inaccurate accounts removed, my request once again has been ignored. 
THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER. TRANSUNION, XXXX AND XXXX HAVE ALL FAILED TO CONDUCT PROPER INVESTIGATIONS AND DELETE THESE INACCURATE ACCOUNT.

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 2021-01-27 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) did a HARD INQUIRY in error in Equifax XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX confirmed done in error and sent ltr XX/XX/XXXX to me confirming this and that " we have sent a request to the approrpirate credit reporting agency ( Equifax ) to DELETE our inquiry ''. Equifax never removed it - I have done 2 disputes w/Equifax asking them to remove - they stated NEVER got communication from XXXX to delete and closed both disuputes. XX/XX/XXXX XXXX did a 2nd req to delete ( I have ltrs confirming both of XXXX 's request to delete ) and it is still there. Did another dispute w/Equifax and it's still there. I have talked with about 15 people @ Equifax and spent probably 30 hours on hold on talking w/Equifax and they just say " we have nothing from XXXX XXXX  to delete it. Do another dispute ''. I'VE DONE 2 w/no results except they close them. I have XXXX msgs. w/Equifax and they continue to say they'll look into and call me back but they never have. XXXX says they've followed their ususal protocol to remove a hard inquiry from a customer 's Equifax reeport and there's nothing more they can do if Equifax continues to say they haven't received anything and Equifax says they can't do anything because they have nothing from XXXX to remove the hard inquiry. BEEN FIGHTING THIS FOR 3 MOS! I may apply buy a new home this year and want it removed from my credit report so it won't affect my mortgage application.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
In the document you sent recently, dated XX/XX/XXXX ( see below ), it states my loan # XXXX that .. my forbearance is about to expire. At the end of the month ( XXXX XXXX ). Really, Loan Care???!!! Look at the 2nd document you generated dated XX/XX/XXXX. In 3rd paragraph, it states both the loan referenced above ( # XXXX ) & # XXXX have forbearance extended to XX/XX/XXXX. So Loan Care, square the XX/XX/XXXX document forbearance expiration with the XX/XX/XXXX documents forbearance expiration dates, for both loans. You waited to generate this letter, dated about loan # XXXX forbearance ending at end of this month, on XX/XX/XXXX & then mailed it. I get it over a week later, file a written complaint thru CFPB, which you blow off & closed without reading. This contrasts to the stunt you pulled middle of last year where you generated a letter, stating my forbearance was ending, more than a month in advance ( it wasnt ). This essentially less than two week notice of forbearance ending vs, previously more than a months warning must be that exceptional service Loan Care keeps harping on. So, Loan Care, which is it??? # XXXX forbearance ends end of this month or as your letter of XX/XX/XXXX states XX/XX/XXXX??? 
Note the enclosed document dated XX/XX/XXXX, 2nd paragraph, opening sentence where Loan Care states .According to our records there is a cease & desist on both mortgage loans ..When there is a cease & desist no mail will be sent out to your address. Really, Loan Care?? No XXXX!!! Well, youre wrong once again. I stipulated quite clearly in previous communication that the cease & desist was pertaining to phone calls & emails and that I wanted only written contact via XXXX. Your company cited that in response & agreed to such. I really dont give a XXXX how you interpret something. What was agreed to in writing is what matters & you are in breach of that. Duly noted, documented for future use. 
This now makes the 7th official complaint Ive lodged against this company thru CFPB. Anyone outside of the Federal government agencies who read this, my best advice is to never do business with Loan Care & if you are then find a different company. Youve been warned.

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 2021-01-27 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: TN

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There are several negative items on my report that I strongly believe are not accurate. I therefore submitted a dispute requesting an investigation and a response into these issues. That dispute was sent out on XX/XX/XXXX and I never received any reply. I then sent a follow-up dispute on XX/XX/XXXX and again on XX/XX/XXXX. It is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
On XX/XX/XXXX my employer contacted me with a telephone number to call. The telephone number was XXXX for XXXX Support Services. XXXX XXXX was the name of the person. Before I could call the number, I received a couple of phone calls from a man telling me that a lawsuit had been filed against me for an outstanding debt. He informed me that my wages were going to be garnished along with a lien placed upon my home. He could not give me any information other than to call the telephone number and speak with someone at the XXXX XXXX XXXX XXXX XXXX XXXX. When I called, the lady on the phone began to tell me that I owed $ XXXX for a Citicard that I opened in XXXX. She said it charged off in XXXX and that I had to pay at lease a little over {$5000.00}, but I could counteroffer the amount. I knew that I had failed to pay the card when I was younger and thought that it must be legit. The lady had give me my social, driver 's license number as well as my wifes. They also had a list of utilities that we have. I countered with {$2500.00} and they countered again for {$3000.00}. I was fearful that they would do the things they said that they would do such as ruin my credit, garnish my wages, and put a lien against our home so I paid {$1000.00} on my credit card and {$2000.00} on my debit card. After I disconnected with them, I began to search for their information online and there was nothing that I could find. Also, the money shows that it was to a bank called XXXX in XXXX. I contacted the Texas Attorney Generals Office and Louisiana Attorney Generals office and both informed me that it sounded like a scam. My bank told me that I would not be able to get my money back due to it being authorized.

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 2021-01-27 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 — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: GA

Complaint narrative:
This complaint is against Discover card, I was with this company for 24 yrs until this year when I closed my account due to them insisting that I pay for unauthorized charges that were made on my account. Back in XXXX, I added my son as an authorized user on my Discover card. In XX/XX/XXXX I noticed that there were several charges that were on the account that I didn't recognize asked my authorized user they stated that they didn't make the charges. I called Discover and filed a dispute claim around XX/XX/XXXX. The billing dept. issued credit and then the case was turned over to the fraud dept and they added the charges back on the account. They refused to investigate the seven charges that I asked them to investigate. This problem went on for ten months until I called the merchants myself and investigated the charges and found out that someone else had stolen my account number and made the charges. In XX/XX/XXXX, I sent Discover a letter stating what I owed them and I paid them in full and they agreed and sent me a refund check for {$170.00}. I froze my account in XX/XX/XXXX and removed the authorized user. Discover continued to let charges post to my account after freezing the account and removing the authorized user they let this go on all the way up to XX/XX/XXXX. They informed me back in XXXX that it was because of recurring merchants I asked to please remove all recurring merchants until I can get the matter resolved with the fraud charges. They dropped the ball and continue to let fraud charges be charged to my account. I am XXXX and XXXX XXXX with XXXX XXXX XXXX and Discover has caused my XXXX XXXX XXXX XXXX in the XXXX 's. I paid them and a year later they have come back and added all of the fraud charges and want me to pay them {$720.00} I do not owe discover anything. They owe me {$240.00} from XXXX XXXX a charge that they let post to my account while it was frozen no one else could make charges to my account. I need a lawyer to sue Discover because I've filed complaints with the XXXX and the Consumer Financial Protection Bureau and Discover is determined that I'm going to pay them for something that I didn't buy or receive. I had two accounts with them one account that I had for 24yrs and the other one for about 10yrs I closed both of them and never want to hear of Discover. I am XXXX  and I can no longer continue to deal with this company. I want my {$240.00} and to never hear from them again..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, 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 2021-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Mountain Run Solutions, LLC
State: FL

Complaint narrative:
years ago I think XXXX XXXX XXXX  and I had issues over service we agreed to discontinue services no fees owed. Years Later XXXX Mountain Run bought this OLD claim that is too old and age to collect on and started a new collection date. I have filed various complaints and they will not work with me. I refuse to pay for a claim I don't owe! 

This company should not be allowed to bully people into paying for an aged claim that they bought ... ...

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 2021-01-27 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I sent a letter to the bureaus on XX/XX/2020 to dispute 2 accounts that are reporting inaccurately on my credit reports. When the bureaus didn't respond, I sent another dispute letter for the same 2 items on XX/XX/2020. I still haven't received anything from the bureaus and it's been a total of 7 months now! To say there is a delay is putting it lightly and this is not acceptable by any means.

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 2021-01-27 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
My credit cards were charged multiple times, which accumulated to a large sum, to two companies I have never heard of before. Upon noticing these charges I called Chase to report these charges as fraudulent. Chase denied my claim and is claiming me responsible for all the charges. Upon calling back, I was told that the charges were made in XXXX and look like travel-related charges. I have never been to XXXX, as I reside in the United States, and have not traveled in the past year due to the covid pandemic. Despite this, the Chase representative told me they are holding me responsible because " I did not report it fast enough. '' ( I had reported it 8 days after the charges started occurring ). Chase pledges that they will " not hold their customers responsible for any charges they did not make '' however, in this case, they are not investigating the fraudulent charges committed on my account, and are purely basing the case off of me not reporting in time, which was only 8 days after the fact, and after researching it states that customers have up to 60 days to report fraud. 

I asked the Chase representative I was on the phone with : " So if any of your customers received fraudulent charges, but did not report immediately you would hold them responsible for the fraudulent charges? '' to which the Chase representative replied " Yes '' I find this extremely negligent and unprofessional, as it seems like the representative is saying that Chase does not even care to look into the legitimacy of the charges and is purely basing their claim off of the customer being able to constantly monitor their account and notice such charges in time. This goes completely against their message that they " do not hold their customers responsible for charges they did not make '' as the representative clearly admitted that they will if their customers don't report immediately, regardless of whether or not the charges were actually fraudelent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: CURO Intermediate Holdings
State: IL

Complaint narrative:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, SPEEDY CASH/CURO add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation