vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have emailed, called, and sent in letters to all three credit reporting agencies to have the bankruptcies showing on my credit report removed due to how they obtained this information. They claim the court gave them this information even though I have sent in a copy of the letter from the court themselves saying that they have do not share information with any credit agencies. I have asked as recently as XX/XX/2023 with XXXX that it remove the bankruptcy from my report, but they refuse to do and keep saying that the court verified the bankruptcy. This has been going on for a couple of years now and I would like it stop. I even sent a letter to XXXX who claims that they got the information from the court, which I sent a copy of the letter stating that the statement they made was indeed false, and they refuse to remove it from my report.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have emailed, called, and sent in letters to all three credit reporting agencies to have the bankruptcies showing on my credit report removed due to how they obtained this information. They claim the court gave them this information even though I have sent in a copy of the letter from the court themselves saying that they have do not share information with any credit agencies. I have asked as recently as XX/XX/2023 with XXXX that it remove the bankruptcy from my report, but they refuse to do and keep saying that the court verified the bankruptcy. This has been going on for a couple of years now and I would like it stop. I even sent a letter to XXXX who claims that they got the information from the court, which I sent a copy of the letter stating that the statement they made was indeed false, and they refuse to remove it from my report.

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 2023-11-14 00:00:00
Product: Credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I booked a trip on XX/XX/22 for the amount of {$4800.00} to XXXX. The trip was scheduled for XXXX. It was cancelled by the travel company, XXXX XXXX, on XX/XX/XXXX via email. They were rescheduling the trip for XXXX for those who could go on those dates. If you could not they would refund your money as per their contract within 90 days. I requested a full refund. There letters and emails said my refund would come XX/XX/XXXX which it did not. I contacted my credit card company and after uploading all of the documents they requested they responded that it was past some 60 day rule without evaluating my dispute. Thank you in advance for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have reached out to XXXX XXXX XXXX for a purchase agreement and itemized bill which I believe this debt buyer is collecting in an unethical manner and thats a violation of the fair debt collection practices act I have reached out with no answers XXXX  is also reporting to my credit as a charge off which I have not received any 1099-C forms there is also the wrong date information on my credit report as far as when I opened the loan thats inaccurate.and its been over XXXX  days XXXX wand this deleted asap

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
They continue to report incorrect information to Transunion. On XXXX XXXX, XXXX, I made a debit card payment in the amount of {$2100.00}, which brought my account current. However, they continue to report to Transunion that my account is 120 days past due. That is not accurate. I have filed several disputes with Transunion, yet they continue to report my account as 120 days past due. The most recent report that I pulled on XX/XX/XXXX still reflects that you are reporting my account as 120 days past due. It has been almost a month since I brought my account up to date, and they are still reporting inaccurate information to the credit bureaus. This is holding up my prequalification to purchase a home. I have called customer service and sent all of the documentation to their support department. No one has contacted me and they have not corrected their reporting. They refuse to transfer me to their " investigations '' department and the representatives insist that they are reporting the information correctly.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: OH

Complaint narrative:
My card was tapped using a square reader at raisin canes, the transaction was for {$75.00} and was descripted as XXXX tax and listed as an electronics category. When I disputed this transaction with chime, it was denied the same day. I then called and inquired why and disputed it again. Once again it was denied the same day. I requested the documentation used to determine the validity of the debt and the intake form from my phone call was the only document provided. I called and obtained a copy of the police report, I called the actual XXXX XXXX XXXX and confirmed they did not charge my account, their transaction would have been listed as XXXX. I also do not live in that district to owe taxes. I provided all of these things to chime to reopen the dispute and once again, it was denied without any explanation given or proof that this was not fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
have an overdraft on my checking account and past due line of credit. Bank denied ATM card services, canceled all my ATM with no previous notice or notification. Calls are multiple just in XXXX day, for example on on XXXX at XXXX and XXXX total of XXXX calls XX/XX/2023 at XXXX started calling till XXXX with a total of XXXX calls in XXXX minutes. 
On the same day XX/XX/2023 they called again at XXXX, total of XXXX calles in XXXX minute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: LoanCare, LLC
State: WA

Complaint narrative:
i have been trying for over 2 years to get the co borrower who is my x girlfriend off my loan nd i have been getting no where with that for over XXXX years now i am out of work due to a serious health condition and i applied for a loan modification to lower my monthly payment and they are doing nothing to help me and are raising my payment by around XXXX XXXX i need the payment lowered not raised and they are threatening to forclosure because i am behind on payments a few months due to health condition

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Have called XXXX different phone numbers trying to cancel my credit card. There are no options on the automated system to cancel and no options to speak to a representative. I took off work yesterday and lost time to visit a local Chase branch. I was given the number XXXX and told to hit XXXX #. I did and automated response was this is an invalid response. Im really tired and frustrated wasting my time trying to cancel this card due to poor customer service and the inability to speak to a representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 sent a dispute letters to credit bureaus about fraudulent inquires attached with FTC report and driver license for them to remove inquires that were not authorized by me which they ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Please see attached file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a 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 sent a dispute letters to credit bureaus about fraudulent inquires attached with FTC report and driver license for them to remove inquires that were not authorized by me which they ignored.

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 2023-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Chat with XXXX XXXX  that a illegal EFT was initiated and refused to be corrected causing a stat damage of XXXX, Under the EFT Act ( i ) An unauthorized electronic fund transfer ; ( ii ) An incorrect electronic fund transfer to or from the consumer 's account ; ( iv ) A computational or bookkeeping error made by the financial institution relating to an electronic fund transfer ; ( vi ) An electronic fund transfer not identified in accordance with 1005.9 ( https : XXXX ) or XXXX ( a ) ; ( https : XXXX # a ) or ( vii ) The consumer 's request for documentation required by 1005.9 ( https : XXXX ) or 1005.10 ( a ) ( https : XXXX # a ) or for additional information or clarification concerning an electronic fund transfer, including a request the consumer makes to determine whether an error exists under paragraphs ( a ) ( 1 ) ( i ) through ( vi ) of this section. Account Agrement Section ( iii ) electronic bank Section 1., F and Section 4 of the overdraft protection agreement gives I/we the right to revoke and or Modify. Section Article 1 of the PA State Constitution, Common Law Tort Invasion of Privacy intrusion upon seclusion, Unfair Trades and Prectices Act and applicable case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX breech of contract!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I withdraw a {$600.00} cash from Chase ATM from my savings on XX/XX/23 one time. On next day, I checked my transactions on my Chase mobile that shows a duplicate transaction was made.

I filed a claim thru Chase and there was a decision that there was no error on the ATM so they couldnt reserve the duplicate transaction.

I was not very happy and furious about the decision. So I contacted them again explaining that where for me to ask and help to get my money back. They kept telling me there is. Nothing I can do.

I understand that their investigation found no error and so on and they only followed their protocol. But me as consumer, I lost {$600.00} and no one is responsible for this.

Thats why I am here to file a report for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX, MI XX/XX/2023 XXXX XXXX XXXX City , State, Zip RE : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It May Concern : On XX/XX/2023, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 
The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 
If you have any questions or need additional information, please contact me at the address noted below. 

Thank you. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX, MI XX/XX/2023 Credit Reporting Agency/Bureau City , State, Zip RE : FAILURE TO RESPOND TO DELTETION/CORRECTION LETTER To Whom It May Concern : On XX/XX/2023, I sent a letter requesting that you reinvestigate or delete disputed items from my credit report as well as place temporarily remove these items from my report during the investigation period. As of this date, you have failed to respond to my request. A copy of my original letter is attached for your review. 
The law stipulates that you must investigate within 30 days of receiving my letter and respond within 5 days of completing your investigation. You have not followed the stipulations of the law. 
I may suffer damages because I need to rely on an accurate and complete statement of my credit record and demand that you remove the disputed items from my report immediately as you failed to comply with the law. Otherwise, I will contact the Federal Trade Commission and advise them of your apparent disregard for consumer protection laws. 
If you have any questions or need additional information, please contact me at the address noted below. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
My social security was lost during a data breach around XXXX. I filed federal reports and put a 7 year note at all three credit bureaus. I sometimes get fraud still from folks using my social and DOB in cases of identity theft. It happened again today- Experian is reporting that a new collection item popped up. I went to the Experian website to investigate and dispute, but I still can not access the site. Back in XXXX of XXXX I wrote a letter and painstakingly explained that someone using my DOB and SS had hijacked the site and had my Experian account ( which has my credit report and everything ) linked to someone else 's email and address. No one ever wrote me back and nothing was fixed. This time I went back to the website, could not get in because it is still linked to the fraudster 's email, and and with the automated voice on every single phone number on Experian, there is no way to get to a person to talk to them because I have to enter data that " does not match '' - because clearly the person who stole my identity changed all the data! It is now XXXX of XXXX and they still have not fixed the hijacking of my Experian account, and continued fraudulent acts of identity theft are happening and they are dinging my credit. HELP.

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 2023-11-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: U.S. BANCORP
State: AZ

Complaint narrative:
We wholeheartedly believe that U.S. Bank is purposely slowing the process of assumption of XXXX. Loans. We have now successfully closed on the sale of our home, but only after a very frustrating several months of the buyer ( and XXXX as the seller ) as well as our realtors trying to complete the assumption process. Our loan servicer from U.S. Bank ( XXXX XXXX ) would not return phone calls or emails. Ultimately our buyer decided to cancel the assumption and obtain a new XXXX. Loan at current interest rates in lieu of assuming our mortgage at a much lower rate. 

We were originally quoted XXXX days for the assumption- when we were well into the process the timeline changed to XXXX months. 

The winners here are clearly the lenders and the losers are our veteran buyers with a higher interest rate on their new mortgage and XXXX as the sellers having paid several XXXX dollars in interest due to the inaction of U.S. Bank. 

I believe that lenders across the board are purposely making the assumption process tedious and lengthy to discourage the process. Clearly it is not in their benefit to do so as an industry as each mortgage that is NOT assumed and has a new mortgage written is worth hundreds of thousands of dollars more to the lender over the life of the loan. 

Bottom line- this seems to be widespread and purposeful tactics on the part of lenders to minimize the number of mortgages assumed even though there should be a clear path to provide for this and I believe this path should have a similar timeline as a regular mortgage. 

I have attached just XXXX of the communications that our realty team and we had with U.S. Bank - if needed I can provide notes on the calls made as well. I can only presume that had our buyers decided to continue with the assumption process in lieu of securing a new mortgage that we would have paid out nearly $ XXXX in interest while waiting for the assumption process to complete and the sale to close.

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