vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I was informed of my credit score going down almost XXXX points during the loan and closing process for a new house by the lending company. They informed me that there was a new item on my credit report where an {$81.00} unpaid final bill from XXXX XXXX from XX/XX/XXXX was sent to collections ( TransWorld Systems ) in XX/XX/XXXX. I was never notified of the charge from XXXX XXXX. I was never notified that the charge was being sent to collections from XXXX XXXX. I was never notified that the charge was in collections by TransWorld Systems. 

I called XXXX XXXX the day i found out and I paid the balance directly with XXXX XXXX over the phone then contacted Trans World System regarding my credit report. I had XXXX XXXX to look up my ENTIRE payment history to show I had NEVER had a late payment and NEVER had a missing payment the entire time I had service with them. 

Trans World Systems informed me that they do not submit or process credit deletions and would need proof of payment from XXXX XXXX which should process in their system in anywhere from 24 hours to multiple weeks. Once TransWorld Systems confirms the payment they can then send the information to the credit bureaus to inform them that the bill/collection has been paid. I do not know how long this will take, but it could be at least 30+ days. TransWorld Systems will not have the item removed from my credit report, but instead will only note that it has been paid. 

If i was informed or aware of the bill/charge i would have paid it immediately. 

I am requesting that the credit report entry be deleted from my credit report and my credit rating returned to normal by XX/XX/XXXX as I am closing on a new home at the beginning of the year and this will negatively impact my interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: FL

Complaint narrative:
My information was used by someone who stole my identity to get credit accounts on my name, and not pay and they debts ended up in my account in collection unpaid and I'm left on the hook. my name ruined i can barely qualify for credit or better interest rate. 
this report is me trying to fix all the harm done to me my my life my good name.

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 2021-12-16 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: FL

Complaint narrative:
My information was used by someone who stole my identity to get credit accounts on my name, and not pay and they debts ended up in my account in collection unpaid and I'm left on the hook. my name ruined i can barely qualify for credit or better interest rate. 
this report is me trying to fix all the harm done to me my my life my good name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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 — Overcharged for something you did purchase with the card
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2021 I issued a payment to Golden Sachs to reduce my account balance by {$420.00}. The balance went down immediately by {$420.00}. I called in shortly and requested Golden Sach to cancel my payment. The payment was successfully cancelled and the funds were returned to my personal banking account. My balance went back up by {$420.00} on my Golden Sachs account. A couple days later my balance shows an adjustment balance reversal for {$420.00} on my Golden Sachs account. This brought my total balance up by {$840.00} instead of {$420.00}. 

On XX/XX/XXXX I made another payment for {$100.00}. I called in to cancel the payment and the same thing occurred that week where my balance increased by {$210.00}. 

I called multiple times to representatives and supervisors who did not know how to resolve my issue. They attempted to redirect me in a different direction. Out of 5 people I spoke with, only one rep understood the issue when reviewing my statements. Their supervisors did not nor helped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
This issue is related to a previous complaint about a replacement card which was a switched to a XXXX. After speaking to Chase United credit card services, I was informed that the only way forward for me to keep a Chase XXXX, and avoid any kind of migration, was to move to a Chase United Explorer XXXX card, which meant changing the terms of my agreement and fees. This was due to a fraudulent use of my card online. 

As I was assured that this was the only way to keep a XXXX product and not a XXXX product, I went ahead despite having further disappointment to find out I wouldnt be elegible for benefits for a new card member. I have been using my new card and today, I received a XXXX stating that I had the same credit limit as the XXXX.I understood I would have that XXXX for a year under the terms I agreed to. 

XXXX XXXX XXXX was the specialist I was referred to by another representative. I dont understand why I keep getting misinformed and told multiple scenarios. XXXX went back to the original like, of well, you have to. This is not what my recorded agreement of terms said. The previous rep said this card was likely not working because there was no account, I cut it up. I cant take the responsibility and have recently claimed a card was lost when it was in my purse. This has led to XXXX about my financial affairs. 

Chase hasnt responded to my previous complaint in a timely fashion, by they keep sending either cards with old numbers or XXXX  that were agreed would not be used. I dont understand what was the point of making me agree to different terms to keep the XXXX if this was inevitable, I seek a discussion with someone from corporate to keep using the XXXX ending in XXXX for a year. 

Important : please see attached picture. Nowhere clearly is the change from XXXX to XXXX made apparent. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
This account was closed in XX/XX/XXXX, apparently due to no activity. Received a statement that a substraction of XXXX done which was the balance. I didn't receive a check or no notice of it being closed. Other than getting a statement showing the transaction. I called their number and they stated the funds where sent to the state. Is that a common practice. He gave me the website and their address. Looked up the website soon after and nothing was found. I figured maybe it needed time to get uploaded, established. Then I dismissed and forgot about it. I just came across the statement and the letter that I sent to the Office of Unclaimed funds, address : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX I didn't received a response. This is very old but its still XXXX bucks and it's mine. Hope you can help me find a remedy. 

The account was thru HSBC, address : XXXX XXXX  XXXX XXXX, NY XXXX XXXX. XXXX XXXX XXXX I am unable to upload the doc 's that I have. If need be can send them later, will have to my son 's assistance to do this. This account was in my XXXX last name of XXXX. I have reclaimed by XXXX  name of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
they received certified mail tender of payment coupon for XXXX on XX/XX/XXXX. 
They called me on XX/XX/XXXX and stated I owed a debt and payment was not made. 
I informed the XXXX that the call was being recorded and the amount was tendered and that they were in violation of my conusmer rights that they received the certified mail article with the coupon and that they had XXXX hours to credit my account. On XX/XX/XXXX th I received an email stating that a payment had posted to my account for XXXX posted on XX/XX/XXXX but they only opened XXXX use of the XXXX credit line. I called on a recorded line and the XXXX stated that it was their policy to hold large payments and the remainder would be available on XX/XX/XXXX. I informed her that I had never received a copy of said policies and requested a copy be sent to me. The remainder of my credit line has not been updated to reflect the full XXXX use.

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 2021-12-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
In XXXX, i have leased a XXXX XXXX XXXX XXXX XXXX with the option of purchasing the car at end of lease, lease matured in XX/XX/XXXX, I paid off the car one month before lease ends, the amount is {$14000.00} in XX/XX/XXXX, I have all documentations on hands, after numerous contacts with Honda Financial and XXXX XXXX in XXXX in XXXX XXXX california, where I leased the car from, I am unable to have XXXX XXXX dealership to remove lien of the title, today I still not receive my car title. You are my last resort to help to resolve this issue. My accept here my sincere appreciation, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX XXXX. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 
I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. This the second time Ive asked for a response concerning this matter on ( XX/XX/2021 ) I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA 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 non-monetary relief
Consumer complaint received 2021-12-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
****ATTENTION! DO NOT DELETE THIS COMPLAINT. THIS IS FROM ME THE CONSUMER XXXX XXXX. THIS IS NOT AN ATTORNEY OR A THIRD PARTY. THANK YOU. ***** INDIGO PLATINUM MASTERCARDXXXX INDIGO XXXX XXXX  XXXX XXXX, XXXX XXXX ( XXXX ) XXXX INDIGO PLATINUM MASTERCARD/XXXX INDIGO is preventing me from using my credit card, and is reporting late payments on my XXXX, XXXX, XXXX credit reports and credit file. REMOVE THIS NOW and ONLY REPORT POSITIVE REMARKS! This is a federal violation of 15 usc 1681b ( a ) ( 2 ) I never gave INDIGO PLATINUM MASTERCARDXXXX INDIGO written permission to report anything on my credit report. This is also a federal violation of Truth In Lending Regulation Z 12 C.F.R. 1026.13 ( d ) ( 2 ) Adverse credit reports prohibited. The creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. 

Pay the positive balance to I, the consumer, pursuant to 15 USC 1666d. ( Pub. L. 90321, title I, 165, as added Pub. L. 93495, title III, 306, Oct. 28, 1974, 88 Stat. 1514 ; amended Pub. L. 96221, title VI, 621 ( a ), Mar. 31, 1980, 94 Stat. 184. ) In accordance with I, the consumers directions, pay all payments I sent to you, pursuant to 15 USC 1692h. ( Pub. L. 90321, title VIII, 810, as added Pub. L. 95109, XXXX XXXX, XXXX, 91 Stat. 880. ) INDIGO PLATINUM MASTERCARD/XXXX INDIGO never provided me with meaningful disclosure of the informed use of credit according to 15 USC 1601 ( a ).

According to Truth In Lending Regulation Z 12 C.F.R. 226.2 ( ii ) This is supposed to be an open end credit card plan account. XXXX INDIGO has been mailing me false and misleading bill statements, coercing me to pay this alleged debt. 

Based on Truth In lending 15 USC 1666, because of the finance charge, I should not have any late payments on this credit card account. 

XXXX out the balance on this account. 

Keep my credit line account open. Closing my account would be a violation of 15 USC 1691 ( a ). 


PAY ME {$5000.00} FOR DAMAGES AND GIVE ME AN OPEN END CREDIT CARD PURSUANT TO Truth In Lending Regulation Z 12 C.F.R. 226.2 ( ii ) WITHIN 30 DAYS. I RESERVE THE FEDERAL RIGHTS TO FILE SUIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 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: TN

Complaint narrative:
I am writing to you to block the following listed items from my report immediately which are not authorized by me. I became a victim of IDENTITY THEFT a couple of years ago. I have noticed that many items appeared in my report which was never opened by me. You are reporting Inaccurate, incomplete, or unverifiable accounts. 
I am listing all the items below which are needed to be removed according to the Identity Theft reason or according to my request and reason attached with every account : Please investigate these matters and remove the disputed items as soon as possible.

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 2021-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

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 2021-12-16 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/XXXX, I made a booking for a hotel stay in XXXX at the XXXX XXXX XXXX XXXX. The total purchase amount was for {$580.00}. When attempting to book using my Paypal Credit account, the XXXX booking page crashed as I attempted to purchase and after loading, took my back in error to the previous screen. I checked my email to confirm whether or not I had gotten a confirmation and nothing came through. So I re-entered my information and attempted to book again. This time, the charge immediately went through and I was given my confirmation of booking. I received the standard email comms from Paypal Credit confirming the purchase and the booking confirmation from XXXX, as well as comms directly from the hotel. 

Upon checking my account, I realized that I was debited for {$580.00} TWICE, XXXX time for the failed attempt and then the secondary charge for the confirmed reservation. I reached out to XXXX to investigate and get my money back, but they told me the authorization would drop off the account soon. Yet here we are, 3 months later and the charge is still there. When I canceled this reservation and rebooked with XXXX at a cheaper price, I was immediately refunded the XXXX for the confirmed reservation by XXXX. 

I reached out to Paypal Credit to investigate and provided them with all of the necessary information to handle this dispute and get that ghost charge removed. The dispute was poorly handled and the credit was reversed, as the rep did not properly read the claim ; they assumed because I got a refund from XXXX on the canceled reservation, that all was completed. They did not investigate and read the claim in its entirety. 

I've reopened the claim, resubmitted my information to Paypal Credit, yet I've gotten nowhere. I've been hung up on, yelled at, and have no clear resolution as to getting this unauthorized money removed from my account. Their antiquated approach and abysmal customer service is unacceptable. If I had booked using my XXXX XXXX, this would have been handled in a matter of minutes.

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 2021-12-16 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: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with XXXX XXXX It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees that you spoke to at as part of this investigation. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. This the second time Ive asked for a response concerning this matter on ( XX/XX/2021 ) I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
Mr. Cooper has withheld information that allows me to sell my property. They have demonstrated predatory practices and should be held accountable to the fullest extent of the law. On XX/XX/21, I requested a loan payoff to proceed with closing on that day. I was told Mr. Cooper recently acquired my loan, and they have no information for a least a week. I called for weeks, after several calls ; it was over a month before Mr. Cooper provided a payoff in midXXXX. 

I request full reimbursement for the daily interest accrued and any fees associated with the delay caused by Mr.Cooper. This company and its representatives have intentionally delayed providing the requested documents. This practice is unfair. They need to be held responsible for the unnecessary cost and stress they inflict on consumers.

Company response to consumer: Closed with explanation