vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 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: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-01 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: TX

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Suntrust merger with BB & T.. XXXX cards dont work mobile deposits delayed resulting in over draft. customer service is not available! Thanks

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 2022-03-01 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: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

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 2022-03-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CT

Complaint narrative:
I am writing this complaint in hopes the CFPB will step in and look at illegal activities being performed with my mortgage servicer PHH and XXXX XXXX as the investor. I have been applying for mortgage assistance since XX/XX/2018 and have applied numerous times for mortgage help. Each time I submit all required documents PHH denies my loan each time for different reason all along having foreclosure dates on my home while I'm applying for assistance which by CFPB regulations this is in violation of Dual Tracking Laws. I have asked PHH to consider my good faith payment of {$5000.00} towards the delinquency as good faith on my side trying to preserve my home but they ignore my cries for help. I have lost my husband and have struggled to maintain current. But now my financial income is stable and I'm able to afford my mortgage payment even if my mortgage payments go up I just need help with my loan. When I applied for help and they denied me they didn't tell me the exact reason for denial and did not provide me any other option to save my home. Please help me to save my piece of the American pie, my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Social Finance, Inc.
State: TN

Complaint narrative:
I received alerts from XXXX that claimed I had no hard credit inquiries. Alarmed, I contacted XXXX by phone call on XX/XX/2022, since I have not applied, attempted, or requested any new lines of credit with anyone. I found out that a company called XXXX took it upon themselves to ding my credit with hard inquiries for a credit card and an apparent mortgage financing -- despite me never interacting with XXXX. Sure, they send me junk mail that gets shredded & recycled, but that is really not enough to run someone's credit. I tried disputing the information through XXXX 's website. That option was blocked for me on the website with a message that I must call XXXX about disputes. I called XXXX to request a dispute, & an XXXX staff member going by " XXXX '' outright refused to start a dispute. XXXX stated I should contact the company first. I was firm that I most certainly do not need to contact a company that I have never interacted with that is acting in a fraudulent manner. XXXX still refused to file a dispute. I informed XXXX that refusing to initiate a dispute is likely to be a violation of the Fair Credit Reporting Act ( FCRA ). XXXX still refused & refused to get a supervisor, just leaving me on repeated holds. It appeared to be a way to abuse my time & continue denying my rights. The only option they claimed that could be offered was to place a fraud alert. XXXX would not allow me to freeze my credit either. I wrote XXXX through a XXXX dm stating the problems encountered. XXXXXXXX XXXX XXXX team claimed that I could submit a dispute online. I reminded them that was untrue. XXXX XXXX XXXX team then claimed I could contact someone at XXXX to start a dispute. I again reminded them I provided a written statement about what actions I already attempted when I initially contacted them. XXXX made no effort to resolve the initial problem of a random company making hard inquiries on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: FL

Complaint narrative:
After getting calls from collection companies and receiving mail for incorrect bank accounts that were open in my name and seeing incorrect addresses shown on my credit report is when I realized that someone has access to my personal information. I had a fraudulent bank account with XXXX XXXX that was opened in my name. I immediately contacted the bank to have it immediately closed. I also had fraudulent medical accounts also opened in my name which is also incorrect, I have had medical coverage for the past 11 years through my current employer and all my medical payments are up to date with no pending medical charges. My name is being reported incorrectly with a middle initial which is also fraud. Someone is ruining my credit by adding addresses that I never lived at, incorrectly obtaining medical assistance, incorrectly obtaining cell phone lines, incorrectly opening bank accounts, incorrectly processing credit which is fraudulent causing inquiries. I have no knowledge of what or who this could be.

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 2022-03-01 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:
Hello my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible. 

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt. 


According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed 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 2022-03-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NH

Complaint narrative:
In XXXX of XXXX, I applied to my Chase XXXX holder # XXXX for a Partial Release of Land. account # XXXX. After poor customer service along with being threatened that Chase could pull my mortgage. I had no other alternative but to seek refinancing from another bank. At that time I paid a {$300.00} application fee along with paying a surveyor to write a written description and a {$500.00} fee for an appraisal. ( that was not conducted ). 
I have since then made numerous complaints with no satisfaction. Until one day I received a voice mail from XXXX XXXX, Executive Office Senior Specialist from Chase. 
Phone # XXXX ext. XXXX. This voice mail was received on XX/XX/XXXX, from XXXX informing me " within 10 days I will receive a refund check from Chase for the amount of {$500.00} for the appraisal that did not happen. She also was somewhat snippy informing me I refinanced. AS of this date XX/XX/XXXX, I have not received the refund of {$500.00}. I have attempted to alll her regarding status and she does not return my calls.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have been trying to dispute the XXXX account off of my credit! Due to the fact that this company was pay off in advance! Which is one of the option that was given when I applied! So if I paid this off in a substantial amount of time why is it still reflecting in my credit report when its paid off already! Im not understanding why do experience keep things in your credit report to keep your credit low! When its be paid off already!

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 2022-03-01 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: NY

Complaint narrative:
Equifax knowingly altered my name despite legal documents verifying my name and identity. They emailed the wrong last name and refused to update their records. Faxes and physical mail were sent with drivers license and SS card yet they are the only credit reporting agency refusing to acknowledge the fact that they have the wrong name. I also disputed an address that they refuse to update. Both the name and address are associated with an ex-husband. Divorced almost ten years. I am XXXX ( the one and only ) not a representative I am genuinely concerned as a DV survivor about their business practices. 

Most recent fax sent XX/XX/XXXX This complaint lists someone the company does not recognize as their customer or their customers authorized representative. 
We reviewed your complaint and sent it to the company for a response. The company let us know that it cant respond because this complaint lists someone who is not listed on the account or loan or authorized to receive the consumers financial information. 

Companies are required to protect their customers privacy. Companies can not share consumers financial informationincluding as part of the complaint processunless everyone listed in the complaint is also listed on the account or loan or authorized by the customer to receive financial information. Companies can require that their customers provide signed, written permission directly to the company before sharing financial information with a third party, such as a lawyer, guardian, or power of attorney. 

COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
XX/XX/XXXX I deposited {$500.00} into my TD bank account because I was going to begin using my bank account more. Two days later XX/XX/XXXX someone sent out two different transactions through XXXX XXXX of {$250.00} totaling in {$500.00} that I had just deposited. These were obviously unauthorize, I filed a claim and have yet to receive provisional credit or any type of refund like I was promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I authorize and give permission for the following company to move forward this complaint. I, XXXX XXXX, is submitting this complaint without the influence of this of third party agency. Please see my full complaint on how the following company, CMRE Financial Services Inc, has invaded my right to privacy and violated HIPPA by purchasing my medical information and created duplicate accounts See attached documents for the full complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
I contacted this company Portfolio XXXX XXXX to provide me with a signed contract to validate their claim no one ever responded. I sent out a letter on XX/XX/2022 I ended up sending another letter on XX/XX/2022 Certified mail. I have all my documents!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On two separate occasions, XX/XX/XXXX and XX/XX/XXXX, I sent certified letters to TransUnion to remove a name that is incorrect and should not be on my credit reports. They have yet to remove it. 

They have XXXX XXXX XXXX My name is 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 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have had a Collateral Holding Account ( CHA ) secured credit card with Citi Bank since XX/XX/XXXX with a balance of {$300.00} that I contributed myself. XXXX XX/XX/XXXX, my card gets renewed for another year and the account can not be converted to an unsecured card after that date. Annually in XXXX, I receive a letter from Citi telling me whether or not my card can be switched to an unsecured and thus far, it has sill required a Collateral Holding Account. The letter provides no insight as to why I do not qualify for an unsecured card or what criteria is reviewed. 

This year, I received the letter in the mail on XX/XX/XXXX dated for XX/XX/XXXX with again no explanation as to why I was denied an unsecured card. I called Citi Bank on XX/XX/XXXX and spoke to XXXX ( ID # XXXX ) who told me that a denial reason should have been included on the first letter and because it was not included, a new letter was sent out with a denial reason and I should receive it within 7-10 business days. 

On XX/XX/XXXX, I called Citi Bank again because I did not receive the letter that XXXX told me was sent out. I spoke too a woman on the phone, whose name and ID # i did not get, who told me no such letter exists so it was never sent out. She informed me that it was Citi Banks " internal policy '' to not inform customers of the denial reasons nor the criteria of which the decision is based. I asked to be transferred to someone who reviews the account and makes the determination as to whether or not a CHA is converted into a unsecured credit account. I was transferred to XXXX ( ID # XXXX ) of Account Services who informed me that there is no department who makes that decision and no one reviewed my account. I informed him that I have a credit score in the 700s with all 3 credit bureaus, I have a six figure salary, and have made all my credit payments on time and did not understand the reason for the denial. XXXX again said that he had no one he could transfer me to regarding why I was denied or how I can improve to be approved next year. He gave me a generic email address to write to. Closing this line of credit will adversely affect my credit score but I am more than disappointed with the customer service and Citi Bank as a whole. They are holding me hostage with this card.

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 2022-03-01 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: TX

Complaint narrative:
There are inquiries on my report that I am unfamiliar with. I was able to call XXXX to have these removed within 24-72 hours, but when I called XXXX I was given a laundry list of tasks that need to be completed in order for this to be possible. Pursuant to U.S. Code 1681, this is neither fair ( reasonable ) nor equitable. 

I have attached a list of the inquiries in question.

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 2022-03-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
On XX/XX/2021, I made a payment to a XXXX XXXX account that was XXXX less the amount due as they did not provide an accurate snapshot of my past due balance. They denied my claim. Furthermore, on XX/XX/2021 I went into a payment agreement which shut off the account however made the payments much more affordable. I have made those payments on time, yet they are still reporting my account as past due for the XXXX and XXXX which has significantly reduced my credit score. I have called and been put on hold and have not gotten any help. I would like this to be investigated as I believe I am getting taken advantage of.

Company response to consumer: Closed with explanation