vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 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: AL

Complaint narrative:
From XXXX thru XXXX of 2020, I filed a dispute with this credit bureau about the unverified and in accurate accountXX/XX/XXXX Account number XXXX, that is a closed account that is still charging interest which is a violation of the FCRA. Note that this account was disputed with XX/XX/XXXX credit bureau and removed in XXXX of XXXX also account XX/XX/XXXX Account number XXXX which is past the 30 day investigation period and was removed from XX/XX/XXXX XXXX In those months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau in several months. How is it that one credit bureau can deem an account in violation and remove that account and the other find it ok to continue to negatively report?! So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank 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 2021-01-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
Kimball Tirey from what I can find represents landlords. They have illegally opened an account in my name without providing any information for supposed debt. I have tried on numerous occasions to reach out to the company. I have disputed with XXXX with no resolve all other agencies have removed. 

I do not know what I can do to resolve it appears they are a large law firm with a history of complaints and shady practices. 

I am not sure what other steps I can take to have this removed from my XXXX  account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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. XX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XX/XX/XXXXon XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX 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 2021-01-19 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. XX/XX/XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Equifax on XX/XX/2021 mail me a letter saying they unable to locate my credit file. asking me make a copy of pay stub or social security card or W-2 Equifax is updating my auto loan and credit cards on credit file so why so many games. I'm also filing a complaint with US Attorney office in regards to the issue with Equifax issues Equifax will not send a complete full report with all the pages to my credit file. I did not ask for no credit score i ask for a complete copy with all the pages of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My final car payment ( payment # XXXX of XXXX ) was not auto drafted from my bank account when it was due XX/XX/XXXX. This was not because of anything I did ( low balance, etc ) but because of a " Terms and Conditions '' I agreed to over 5 years ago when I set up my loan to be paid off with automatic payments in XXXX of XXXX. 

It is unreasonable for a consumer to be expected to remember one specific detail about Terms and Conditions ( that 99 % of people don't read anyways ) five years after for a clause that only kicks in at the end of the 5th full year. 59 of 60 payments made on time exactly ( not to mention 15+ years of always on time payments to all other financial responsibilities I've had ). The other issue is they create confusion by continuing to report auto-pay is turned ON for even once at the final payment time showing it is still enabled - which is very confusing for a consumer to understand what is going on ( see attachment for proof ). 

As soon as I became aware of this, the final payment was made same day. I had absolutely zero financial motive to withhold a payment, nor did they do their part to call or email me letting me know any of this was happening. If it weren't for optional credit monitoring I chose to subscribe to, the first time I would have found out about this could quite easily have been the day they opted to repossess my car. 

That is an incredibly scary position to be in for a consumer and is a policy I believe takes advantage of consumers to ruin their credit ( my score dropped 111 points because of this one miscommunication ). I further believe they are misinterpreting the Fair Credit Act ( FCA ) and that they do not actually have a requirement to leave this delinquent mark on my credit reports for a policy entrapment they themselves set.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: MD

Complaint narrative:
Contacted Equifax several times to initiate a dispute of unauthorized inquiries and their automated system purposely prevents a consumer from being able to speak to a customer support specialist when attempting to dispute over the phone. Equifax website has also been down and when attempting to dispute inquiries online, I am unable to do so. I was affected by the Equifax Data Breach and as a result have found several inquiries listed on my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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:
I Have been an 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, 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 file a CFPB and FTC ASAP!

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 2021-01-19 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: NY

Complaint narrative:
I Have been an 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, 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. This is unacceptable and I am very disappointed! REMOVE THIS FRAUD ACCOUNT ASAP!

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 2021-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Citi Bank XXXX XXXX Broke State laws when they failed to offer me extended extensions on payments due to covid-19. They also illegal reported negative information ( Missed payments ) This illegal to currently report the credit bureaus under the current state laws due to the pandemic.

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 2021-01-19 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: NY

Complaint narrative:
I Have been an 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, 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. This is unacceptable and I am very disappointed! REMOVE THIS FRAUD ACCOUNT ASAP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: SB Holdings, Inc.
State: RI

Complaint narrative:
I received a loan from XXXX XXXX for XXXX XXXX in the amount of {$2400.00}. First payment was due on XX/XX/XXXX in the amount of XXXX. I received a payment invoice an made the first payment on XX/XX/XXXX. However, I have not received any invoices or payment coupons for the rest of the payments. I called XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and asked about the payment coupons. I was told the coupon book was mailed to me on XX/XX/XXXX but the post office is 2 months behind in delivering mail. I made the XX/XX/XXXX payment by mailing directly to XXXX without a coupon. I asked to have a new coupon book mailed to me by overnight mail but was told that could not be done. I asked to speak to a manager but was put on hold and no one answered the call.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc.
State: NC

Complaint narrative:
I signed up with Beyond Finance to help me settle with my credit cards after my divorce that caused the debt. I understood how they work but they gave me misleading info about contacting my creditors. I thought that they will let all of them know that they working on my behalf to help me settle. What I found out they only contact one creditor and I couldn't even find where the rest of the debt was. After researching everything I found out that they were in collection and didn't know that I am doing something about the debt. When they settled with one creditor, they were so happy to tell me but I found out that they made all the payments to cover the settlement agreement but the last payment they made was on the wrong date and the settlement was terminated as stated in agreement with my creditor. The creditor stated in the agreement that they will accept the settlement but payments must be made on certain dates or the settlement will be terminated. I have been calling them about it right away so they can fix. It started in XXXX and now is XXXX and nothing has been done. 
Beyond finance lied to me they tried to make a payment on the right date but there is no record with my creditor that they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
The car was totaled out in XX/XX/XXXX of 2020. A check for the car was sent on XX/XX/XXXX for an amount of {$8400.00}. When the check failed to arrive the first time a second check was sent out on XX/XX/2020 in the same amount. I have contacted Hyundai Motor Finance about this on numerous circumstances and was given a run around. Today when I called I was told that my insurance needed to still send in a couple of documents still. I emailed my adjustor and he said that they were already sent in to HMF. I called back within 30 minutes and was told that they were closed. I had my father call and he was given the same run around that I was just given and know can not get in contact with them again as well.

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 2021-01-19 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
There are unknown charge-off on my credit reports. Im requested the verification of the charge-off and the method of verification. JPMCB - CARD SERVICE Reported : XXXX XXXX, 2020. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) 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
Consumer complaint received 2021-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
On XX/XX/XXXX, I opened a new checking account with Huntington Bank online. I was prompted with " how would you like to fund this account? '' and chose to transfer money from another savings account I hold at XXXX XXXX. On XX/XX/XXXX, the money was removed from my XXXX XXXX  account, but the money never arrived to the Huntington Bank account. I have spent the past two weeks trying to get an update/resolution from Huntington as they are holding the money in limbo due to an error/glitch on their end and I need this significant amount of money back. I have spent hours and hours on the phone and the service rep acknowledged they were having issues with transfer " at the end of 2020 '' but I still have not received a resolution/update on when I can expect my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: DE

Complaint narrative:
Sent in a letter to Experian stating their violations and ask for stated accounts to be deleted,

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 2021-01-19 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. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX  ) 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 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 2021-01-19 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: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
( One issue ) My wife and I have a new Verizon credit card ( Synchorny Bank ), opened XXXX 2020. Small credit limit of {$1000.00}. When we get close to that limit, we make a payment, sometimes multiple payments ( two ) in one month, depending on usage. The second payment is received by XXXX, money cleared from my checking account, but the second payment is not applied to my balance. After talking to XXXX on multiple occasions they told us they are " holding '' the payment because of " money laundering '' or " cancelled transactions '' issues, not me, but this type of activity has caused the business millions of dollars. ( Second issue ) I ask for a credit limit increase to resolve this. The increase is denied and the reason given is " Insufficient experience at your current credit limit ''. When I call XXXX and ask, I am told it's their " policy '' or " computer generated '' decision, nothing can be done, no further explanation. Both my wife and I have 800+ credit scores. No transparency or other reason for denied credit. Two issues here, XXXX is holding my money on second payments and not explaining being denied a credit limit increase. Do I have recourse?

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 2021-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Lending Club Corp
State: NY

Complaint narrative:
Please be advised that Lending Club Corporation is a loan broker, that three years ago I acquired a loan from XXXX XXXX XXXX through Lending Club Corporation. Lending Club Corporation is a broker only, and when the loan went into default, the principal owner known as XXXX XXXX XXXX - XXXX sold all rights to the debt to XXXX  XXXX, XXXX. This loan was used for completion of a real estate project only, with a partnership that did not work out financially. XXXX XXXX XXXX exercised its right to protect its investment through legal channels, and through my legal representative the debt was settled for a cashiers check of {$12000.00}. My position is quite firm, when the original debt was sold from XXXX XXXX XXXX XXXX to XXXX XXXX, XXXX Lending Club Corporation lost all of its rights to maintain a credit rating position with all pertinent credit bureaus, XXXX, XXXX  and XXXX XXXX respectively through a U.S. Supreme Court decision Henson v. Santander Consumer USA Inc. Third party transfers VOIDS all rights under the Fair Debt Collection Practices Act, which disconnects all rights to maintain the credit payment history or the content of its history with the Fair Credit Reporting Act. Accordingly, Lending Club Corporation must delete my entire file and purge its content permanently. My rights are in violation at this time and from my research the XXXX XXXX XXXX XXXX has a right to intercede. Therefore, this reference on my personal credit report must be deleted immediately and permanently. I have referred my complaint to all credit bureaus to advise them that Lending Club Corporation is in violation of their subscriber agreement with all credit bureaus, and should be sanctioned by the Consumer Financial Protection Bureau for this serious offense. Lending Club Corporation must delete and purge my file with all pertinent credit bureaus, period. 
XXXX XXXX

Company response to consumer: Closed with explanation