vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I have an American Express Reserve credit card that allows me to choose to not pay in full every month. If I do not, then AMEX can charge me interest. My complaint is that AMEX does not allow any time, after the billing cycles ends, for me to fully pay the balance before they send a balance to the credit agencies. 

Example : my billing cycle ended XX/XX/2023. I made an on-line payment the next day and it credited my account on XX/XX/2023. Yet, they reported to XXXX, on XX/XX/2023 my full balance! Even though I paid it the next day and actually have until XX/XX/2023 to pay without any interest penalty. This " balance '' will now sit in my credit score for the entire month, until AMEX does the exact same thing the following month. With this practice it will always show that I'm carrying a balance that I may not if I made a payment the day after the month closed. AMEX customer service answer today was, " well, you could always make a payment before the billing cycle ends ''. Well of course I could - that's not the question. Why can't AMEX wait a reasonable time period to report a balance to the credit agency 's. 

Why is AMEX allowed to send a balance to the credit agencies without first allowing the customer to pay off the balance AFTER the closing date, but before it's deemed " late ''? 

My monthly AMEX balance is so great that this practice is taking my Credit score below 800 - costing me a higher loan rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-24 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I sent out letters to XXXX and Equifax here is my tracking number XXXX however the credit bureaus said that they completed the investigation and everything was 100 % accurate. XXXX also confirmed they received my letter XX/XX/2023. 

According to 15 U.S.C s 1681a Definitions ; Rules of construction The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general repetition personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information, However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to How did they complete this investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
If on XX/XX/2023, an account review was conducted, and the decision was made to end the banking relationship. Then what happens to the check that I deposited for {$8300.00} on XX/XX/2023 if it is indeed unable to be verified by maker? 

If On XX/XX/2023 a secondary review was completed the decision was upheld to still restrict my personal account, where is the check for {$8300.00}? 

If the check still needs to be verified and you TD bank can not locate the maker as it does not show up as a registered business in the state of NY, why are you still holding on to the money? Return the money back to the check makers account from whence it came from TD said ULTIMATELY meaning : finally ; in the end. 

If finally in the end TD can not locate the maker of the check as they have confirmed then why is TD still holding on to the {$8300.00}? 

In the end, they are unable to find the maker. That sounds like a concluded investigation to me. 


So they need to return the money back to the account from which it came from. Ultimately there is no investigation if ultimately you can not locate the maker. 

TD needs to send the money back to the original XXXX  account from which it came as they have all of the account information there is nothing stopping them. If TD truly suspects fraud, why would they want to hold on to fraudulent funds? I am fine with TD ending our banking relationship and I am fine with my account being closed, not restricted. I do not want an account in my name with restricted access. I am not fine with TD keeping funds that does not belong to them after they have clearly ultimately reached a decision. Please provide an answer as to when the funds will be returned to the original account from whence it came from. Please provide what steps has TD taken to locate the maker of the check? Please provide what information you have used to try and verify the maker of the check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 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: GA

Complaint narrative:
I mailed off a letter to Experian and XXXX on XX/XX/2022 of a bankruptcy that was on my credit file that needs to be removed. It been 111 days no answer.

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 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Netspend Corporation
State: NY

Complaint narrative:
My name is XXXX XXXX and I am a blue all access net spend customer and net spend is cutting me off for no reasons at all. I had an issue with a supermarket that was supposed to give me back XXXX and never did and also got a broken wheel chair scooter device scam that was XXXX and net I told net spend I am in the hospital rehab for 5 years and longer and I don't know how much longer I am going to be here for.

I have no family help and friends help and no other financial institution because I have not been out in a long time and I can't take checks in the hospital rehab because problems with mail and things get lost in the hospital rehab and I get month checks that comes from the post office once a month on my card plus I pay my bills and use the card to buy things with. 

If you don't put me again I will get a lawyer and take you to court and sue you and or take you to small claims court and sue you there that's how upset I am with you guys at net spend. 

Please respond From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY 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 2023-03-24 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: GA

Complaint narrative:
I have made several attempts to correct this issue over the past few years. I last spoke with Experian and XXXX on XX/XX/2023 regarding a charge off account with XXXX XXXX Bank in the amount of {$580.00} I have been informed by this company to contact Experian and XXXX regarding this issue. There has not been any resolve and this account is not accurately being verified as well as being reported incorrectly. Also, my personal information was not correct when I called to discuss this account. The credit bureaus corrected my person information, but did not remove this account. This account has also been sold to a collection agency The name of the collection company is XXXX XXXX and the collection amount is {$580.00} I would have had to give consent to the company to sell this account to a collection agency. I have not given any consent to do so as this account does not belong to me. This is not factual information that is reporting.

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have previously disputed unauthorized credit inquiries from XXXX XXXX AND XXXX XXXXXXXX with Transunion. I sent a dispute letter on XX/XX/23 and XX/XX/23 with no action taken. I will give one more chance before I move to litigation and collect my {$1000.00} ( per error ) with them. I need these removed immediately as it is negatively 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 non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
My personal information that I need on my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX al XXXX any other names or addresses are not accurate and need them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Peer Advisors, LLC
State: NV

Complaint narrative:
This complaint is being filed against the FHA, concerning the Estate of XXXX XXXX XXXX XXXX XXXX XXXX, Ill. XXXX Case # : XXXX, was assigned on XX/XX/XXXX After our original request for payoff information on a Reverse Loan. since my mother XXXX XXXX, the homeowner had passed away on XX/XX/XXXX, without a will and we wanted to sell the house . We were told an Executor would have to be appointed by the court since there was no will. 

I was appointed Independant Administrator and on XX/XX/XXXX, I submitted to NOVAD management Consulting the following documents, Letters of Office-Decedents Estate , order appointing Representative 's Estate-intestate and a copy of the death certification, along with a six month request for extension. 

No reply was ever received. 

On XX/XX/XXXX, I again called FHA with My request for payoff information and was told there was no record of my prior contact and no reference to the case number and no record of documents having been received. I was once again asked to submit documents along with a Third-Party Authorization for release of records/ information. 

on XX/XX/XXXX, I sent requested document by certified mail along with Letters of Office - Descendant 's Estate and Order Appointing Representative, to U.S. Department of Housing c/o NOVAD Management . The package sat at the post of for days as it had been non deliverable. It was finally picked up, date unknown, but there was never any follow up. 

On XX/XX/XXXX, I called FHA again and was told there was no notes on prior contact and that NOVAD no longer held the loan for this account which was now being held by XXXX , again I was asked to submitted documents. 

At this point I contacted my attorney who in turn submitted court documents to FHA XX/XX/XXXX. They included Letters of Office-Decedent 's Estate and Notice of Probate and Release of Estate Interest in Real Estate . 

On XX/XX/XXXX, FHA responded by requesting documents in a PDF form this time with wet ink signatures, In the mist of these two potential buyers have pulled out of home sale deals because I failed to provide pay off documents. 

I can not sell a home when I do not know how much is owed on the loan. 

The property has now gone down in value as a result of two flooding incidents and the home being vacant for over a year, Please help me, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Nv. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.XXXX XXXX , XXXX, XXXX and XXXX XXXX violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
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 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Today on XX/XX/2023.. i talked to someone on the XXXX about a service.. I requested XXXX $ from me to start.. when I sent to him by XXXX ( chase bank ) .. he tell me he want XXXX $ more .. i knew from that he scammed and stole my money and i tell him to send it back but he blocked me on the XXXX and he doesnt send it..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: PA

Complaint narrative:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report they were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report immediately.

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 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: GA

Complaint narrative:
It would appear an account was open with XXXX XXXX ( mobile ) using my personal information. My mobile provider has been XXXX XXXX for the past decade. I continue to receive past due bills and debt collection notices for Account : XXXX from I.C. Systems Inc. on behalf of XXXX 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 2023-03-24 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: PA

Complaint narrative:
I am putting this bureau on notice that the items listed do not belong to me or are incorrectly reporting on my credit file. I have submitted proper documentation and identity verification documents. I demand the information be removed from my Credit profile immediately as this company is in direct violation of the Fair Credit Reporting act 15 US code 1681 pertaining to permissible use in regards to reporting this inaccurate and unverifiable information.

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 2023-03-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
hello I XXXX XXXX is not a third party is depressed because XXXX and XXXX did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and XXXX my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and XXXX because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX  kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me transunion is ignoring me and XXXX its been XXXX  months nothing done still

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: IL

Complaint narrative:
hello I XXXX XXXX is not a third party is depressed because XXXX and Experian did not fix an error on my credit report and its causing not to get hired and its causing financial crisis in my household I can not get hired because my credit score has dropped because I am a victim of identity theft I have sent XXXX and Experian my ftc report over 67over and over I have called over the phone with them as well and they claim they didn't receive it which is a lie because I overnighted it and required a signature and they rep singed off on it acknowledging they received I am not receiving any help from them over the phone this has caused me server depressed because this is causing damaging to the character of my name please please help me I've been thinking bout XXXX because of these issue with XXXX and Experian because they are not helping me they even hung up on me and refused to transfer me to a supervisor I am sad and depressed because they claim they are here to help am I have still not have help in removing these fraudulent items I can't even take care of my XXXX kids I am now homeleness because of the damages you guys have caused to my name and household. please help m, e pleasseeeeeeee its been over 198 days still no response from them and they still have not deleted these items off my report hello help me XXXX  is ignoring me and Experian its been XXXX  months nothing done still

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 2023-03-24 00:00:00
Product: Payday loan, title loan, or personal loan — Pawn loan
Issue: Received a loan you didn't apply for — 
Company: RockLoans Holdings LLC
State: AZ

Complaint narrative:
I was a victim of cyber fraud starting XX/XX/XXXX. Criminals hacked my checking and savings accounts and stole all assets. By the time I discovered what was going on, I immediately contacted my bank ( XXXX XXXX ), debit and credit cards and filed a case of fraud with all of them. Accounts were frozen and I was issued new account numbers, checks, and cards. Also reported fraud to credit reporting bureaus and blocked my information. Also reported fraud to the XXXX Police Dept, FTC, and XXXX XXXXXXXX XXXX XXXX. When I discovered the damage I noticed that the fraudsters applied for loans to add to my checking account I'm sure to replenish the money in my checking account in an effort to steal even more, they applied for loans with Rocket Loans, XXXX XXXX, and XXXX XXXX. The latter two companies denied the loans after doing due diligence by making sure I applied for the loans which I DID NOT. Rocket Loans, the loan company about which I am filing this complaint, did not do the required due diligence. They notified me that " a one-time payment of {$7000.00} was authorized ( NOT BY ME ) on XXXX XXXX, XXXX. I was stuck with paying off this loan as I don't have the resources to hire a lawyer to fight this corrupt loan company and did not want to risk further ruining my formerly very high credit score. I paid the amount in full with a check which I mailed on XXXX XXXX, XXXX. 

I would like my money back since this company granted this loan without my authorization. They are responsible for dumping this money into my checking account and charging high interest rates to be paid for this unauthorized loan. However, I've had little help from the bank and the reporting agencies mainly because I had little information on the individuals that did this to me. 

At the very least I want this company publicly reported so that others will be aware of their unlawful, predatory practices against vulnerable and unsuspecting people.

Company response to consumer: Closed with explanation