vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-06 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: CA

Complaint narrative:
I have been disputing incorrect late payments with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. 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 2021-01-06 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 have been disputing incorrect late payments with the bureaus since XX/XX/XXXX. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/XXXX to request the investigation again. I do not feel that I was ever a full 30 days late on any of my accounts and my personal records do not indicate this either. 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 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: IL

Complaint narrative:
I have been with Netspend card company about 6 years. I get direct deposit for my ssi. On XX/XX/XXXX, I got my direct deposit on my card. I could not use it so I called them and asked them why? They said it was some kind of fraud on my card?? I said ok. They said they would send me another card. I said ok. I never got the card.? So after a few days I kept calling asking them could they please send me another card to use because I have to pay bills. They said if I send them XXXX dollars they will send me a expedited card. I said ok. I got the card. I tried to use the new card I still could not? I called them on the XXXX of XXXX and they said I have to first send them some documents to prove that I am XXXX XXXX. I sent them state Id. Social security card. 5 pieces of mail. Human Resource letter statement that I get food stamps. All of this. They sent me back a email saying they want more?? I keep telling them I dont have anything else. I finally found a letter that a credit card company sent to me for a loan. It had my address on it also. I sent that to them. They still tell me they can not activate my netspend card??? My rent is behind, and my bills are due!!! I keep telling them that but they still will not send me my money. If you all can help me please do. I think their company is a fraud! I told them they probably spent my money. I am disappointed at them. I read on line that they have been sued for XXXX dollars. Now I understand why they dont want to let my money go. They are a company that seems to be defrauding people out of their money again.!!

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 2021-01-06 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: U.S. BANCORP
State: OH

Complaint narrative:
On XXXX, 2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: MA

Complaint narrative:
I was contacted by the company ( IQ Data ) telling me I owed a debt from 1 year and 9 months prior. I explained that I owed no debt because I paid for everything ( rent ). They also informed me that this so-called debt included interest for the length of time they owned the debt yet I was also never notified when they took on this so-called debt. I then decided to disupte this and sent them a letter requesting for them to validate my debt. Included with the letter were 2 proofs of identity. I sent that by certified mail and they received that letter on XXXX XXXX. I waited a little more than a month ( 30 days ) and received no communication or response from them so I then sent a letter for request of removal. Included with that letter were the previous letter, 2 forms of identification, and a copy of the certified mail receipt from the previous letter. They [ IQ Data ] received that letter via certified mail on XX/XX/XXXX. Lastly, I called them on XX/XX/2021, to inquire about the status. They rudely told me that even though they may have received my second letter it wasn't in my file and they don't know when it would be added. I asked about a time frame for the response they informed me that they will settle this whenever they hear back from the original owner of the debt. I then referred to the 30 days for a response within the letter the man asked me where did I get information about the 30 days and told me there was nothing he could do an nobody in the company I could speak with to give me information about the process. After which he said he would put me on hold and then hung up on me. This was all on a recorded line by them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I called Quicken Loans to refinance my home loan. I spoke with an associate who assured me that I would have a seamless process and would close in less than thirty days. I sent in all required documents and was quoted a mortgage amount of around {$1400.00} a month. This would be my third closing so I understand that the numbers slightly change up and until closing. My closing was scheduled on XX/XX/XXXX. I signed the closing disclosure that stated my mortgage amount would be {$1300.00}. I checked the online app on XX/XX/XXXX and noticed that the mortgage amount had jumped up to {$1600.00} and needing over {$4000.00} funds to close. I emailed and called XXXX who stated there was a glitch in the app and that whatever amount my closing disclosure document stated, would be the amount of my mortgage. 

XX/XX/XXXX closing came and a notary showed up to my home to notarize the closing documents with the closing disclosure stating my mortgage would be {$1300.00}. I logged onto the Rocket Mortgage app once again to see a mortgage amount of {$1600.00}. I began calling Quicken Loans and was told that the property taxes on my current property were incorrectly calculated and that I now needed to re-close on the loan. I spoke to several associates all stating that this was the worst treatment of a loan they had seen and stated they would correct the issue. It was not until XXXX when I was told my loan had been cancelled and I still owned the ( what I thought was previous ) current lender of my home. I was informed a new loan was being funded to correct the past error. 

It was XXXX when I started speaking another associate. He was the only associate who really sounded like he was going to own my issue from start to finish. He called me and told me he would be able to fund the loan at the original amount of {$1300.00}. I have no direct complaint against him. He is included in this complaint because he knows the details of this situation. I spoke to him XX/XX/XXXX. It was on this date he informed me that my loan had aged out. I believe that my loan was closed out so as not to fund the loan for the amount promised. I believe I was deceived into the application and funding when my mortgage amount was increased and I was told there was a glitch in the system so that I would go through with the closing. I believe there has been a Regulation Z Truth in Lending Violation and this has UDAAP concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: VIRTUOSO SOURCING GROUP, LLC.
State: NJ

Complaint narrative:
XXXX Received a letter from XXXX XXXX XXXX XXXX XXXX indicating that I had an unpaid balance of {$990.00}. On the same day I received a letter from Virtuoso Sourcing Group, apparently a debt collection agency stating that I owed {$990.00} To XXXX XXXXXXXX XXXX  XXXX XXXX. 

XXXX I called the XXXX XXXX. I spoke to a representative and told them that the bill was not mine. The person I spoke to said that they couldnt give me any information about the bill unless I confirmed my address and last 4 of my social. I didnt feel comfortable giving either information out to the representative but I did give the last 4 of my social. All he could tell me was that work had been done at that address, XXXX, but would not disclose any other information. He gave me the address of the work. I asked if there was anyway to send a bill to that address and not to my address. The man said that I would need to contact the XXXX Police Dept to file a police report. 

Then I called Virtuoso sourcing group. The lady asked for me to confirm the address where the bill was sent. I explained that I never lived in XXXX or Indiana for that matter. She also said to file a police report with the XXXX police dept. She said they would start a file on their end, but I should still contact law enforcement. 

I Called XXXX Police Dept. They told me they couldnt do anything that I had to go through a local police agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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 have notified the credit bureaus that the XXXX XXXX XXXX debt showing on my reports is not mine and that I am a XXXX. I asked them to correct this and to remove it and it has not been done. This is my 3rd time contacting them about this matter.

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 2021-01-06 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: FL

Complaint narrative:
I have notified the credit bureaus that the XXXX XXXX XXXX debt showing on my reports is not mine and that I am a XXXX. I asked them to correct this and to remove it and it has not been done. This is my 3rd time contacting them about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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:
( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I Have been an a victim of Identity Theft for a few years now.. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep 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 2021-01-06 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: CITIBANK, N.A.
State: OH

Complaint narrative:
On XXXX, 2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

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 2021-01-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have disputed the errors on my credit report multiple times but it is still showing on it. The credit bureaus must provide proof of the negative accounts also the monthly payment, terms, credit limit, past due, and date of last payment as it is missing in the report. If you are unable to do it, please remove the negative accounts from my report. Also I have inquiries I didn't 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 2021-01-06 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX- Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 3. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft )

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 2021-01-06 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: AL

Complaint narrative:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX  - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  XXXX XXXX Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX XXXX XXXX- Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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 have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2021-01-06 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: FL

Complaint narrative:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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: AL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ran a hard Inquiry on my credit without discussion or authorization. I engaged them and they provided an email that says the issue has been resolved, but it is still showing on all my credit reports. I'd like to see the attached document sent to all three credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My financial institution is Chase Private Client. I deposited a XXXX XX/XX/XXXX, Chase can not locate this deposit violating various bank tax regulations. 
I initiated re-occuring monthly payments to be made from my Chase CPC account to XXXX XXXX XXXX  on the 3rd after my XXXX check was direct deposited and Chase routinely failed to honor these payments and by doing so my account with XXXX  XXXX was left in arrears. These payments were left in a " pending '' status the funds were withdrawn from my account but not paid to the merchant, leaving the merchant unpaid and which led to a snow ball effect in hicked up interest rates. My payments were being applied to interest and not the principle leaving me upside down on the loan and a negative mark on my credit report and me at risk of loosing my vehicle. 
This is happening today as well. On XX/XX/XXXX I purchased a computer online with XXXX. The payment of {$590.00} to XXXX has remained in a " pending '' status ever since. XXXX didn't ship my computer because they claim that Chase declined the transaction and Chase claims that XXXX hasn't processed the order regardless Chase will not release the funds back into my account and XXXX will not ship my computer. Chase is violating regulation E under your rule and needs to investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06 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:
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 FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation