vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has " verified '' collections. I have requested validation to include EVERY DOCUMENT used to support " verification. '' Transunion has blatantly and willfully refused. As Transunion has not been able to provide correct, accurate, and complete information, per request, DEMANDING REMOVAL AND SUPPRESSION OF XXXX XXXX XXXX, IMMEDIATELY. 

It is the consumer reporting agency 's obligation, " pursuant to section 611 ( a ) of the Fair Credit Reporting Act ( " FCRA '' ), 15 U.S.C. Section ( s ) 1681i ( a ) ( 1982 ), to conduct a reasonable reinvestigation of information on a consumer 's credit report alleged by the consumer to be inaccurate. '' Transitions negligent and willful failure to reinvestigate the disputed entries in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. ( s ) 1681i ( a ), 1681n,1681o, have caused hardship, mental distress, and detriment overall.

PLEASE do not respond stating that " the company will respond and has received the complaint '' as it is OBVIOUS that the complaint will be received as it is a FEDERAL COMPLAINT. Please do NOT use this stalling tactic, just please respond according to the " fair resolution '' section.

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 2022-02-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
The vehicle was sold to a dealership and they sent a payoff check to Honda Financial on XXXX Honda Financial is in receipt receipt of the check but refuses to apply the funds to payoff the lease. I have not been able to speak with anyone to resolve this matter. When I ask to speak to a supervisor or manager the Customer Service representation says they can not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Truist f/k/a SunTrust Mortgage lender, Loss Mitigation, XXXX XXXX, XXXX XXXX XXXX, XXXX VA XXXX Loan Modification XXXX. XXXX modified my XXXX, XXXX, XXXXXXXX XXXX mothers mortgage in XXXX, XXXX. My mother the borrower an XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX allededly " signed '' the loan modification for 40 years at 6.375 %. The Affiant XXXX XXXX XXXX, Attorney-Of-Fact initiated this modification due to the fact she fell behind on the payments while soley residing at the mortgaged property located XXXX XXXX XXXX, XXXX GA XXXX XXXX 
Please investigatethis case as I have attempted numerous times to report TRUIST mortgage and bank for mortgage fraud. 
XXXX XXXX notarized with bank employee witness ; XXXX XXXX. 
XXXX XXXX XXXX is/was deemed mentally incapacitated XXXX separate Evaluations by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had many physical limitations, XXXX hearing and sight impairments along with her being bedridden with XXXX hospice care including a broken femur in XXXX. 
XXXX XXXX XXXX ( Now deceased as of XX/XX/XXXX ) XXXX XXXX XXXX along with Truist f/k/a SunTrust mortgage modified while the borrower did NOT have the capacity to Contract. XXXX  also stated in numerous text exchanges being fully aware of XXXX XXXX 's Incapacitation ; XXXX. See Attached Documentation. 

Thank you Kindly, XXXX XXXX ( XXXX ) XXXX 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 2022-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
HSBC claims they disbursed funds for a closed account ( which still had a balance of {$490.00} ) but I never received any check. I've made numerous phonecalls including a 2 hour call today. Two times they tried transferring me to a wrong number. I still do not have the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: CT

Complaint narrative:
I SUBMITTED AN INVESTIGATION INTO MY CREDIT REPORT DUE TO INACURRATE INFORMATION ON BOTH AND CONFLICTING REPORTS VIA USPS MAIL TO XXXX AND EXPERIAN AND HAVE NOT RECEIVED A RESPONSE VIA MAIL IT HAS BEEN OVER 30 DAYS NOW AND I JUST RECENTLY SENT OUT ANOTHER INVESTIGATION VIA MAIL BECAUSE I HEARD NO RESPONSE FROM THE FIRST ONE.

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 2022-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Mr. Cooper Group Inc.
State: MD

Complaint narrative:
The mortgage company Mr. Cooper reported that we were 60 days delinquent on our mortgage. This took my credit rating from XXXX to XXXX practically overnight. We have never been even a day late and the information is inaccurate. AND we were in forbearance until XX/XX/XXXX. 

We entered forbearance in XXXX and our forbearance agreement was understood to extend until XX/XX/XXXX. 

Mr. Cooper claims that we requested removal from the forbearance plan on XX/XX/XXXX, just 10 days before we were already expecting it to end. This makes NO SENSE. 

We then received a demand letter in XXXX demanding we pay & XXXX immediately to avoid default. We were shocked and confused ( and our XXXX payment had already been made ) but we paid it. 

I made multiple calls to Mr. Cooper to figure out what was going on and that's when we were told that my spouse had allegedly requested removal from the forbearance program on XX/XX/XXXX just 10 days before we were prepared for it to end. 

I have requested that Mr.Cooper retrieve the recording of that XX/XX/XXXX conversation. I am not sure whether this is a miscommunication or misunderstanding or whether something else more nefarious is happening. Many companies are outsourcing forbearance exits and there may be financial incentives for " pushing people off '' and demanding large payments all at once. 

I was told that I would not be permitted to hear the recording while they were investigating but that. their managers would review it and make a decision. 

We were in midst of what should have been an easy and quick refi with them. the mortgage broker and underwriter were moving quickly. We paid for an inspection of our house. Then our credit rating plummeted as a result of this erroneous delinquency being reported to credit bureaus. 

Again, we have never been late in our payments. Ever. So to have a delinquency report on our credit is devastating and detrimental. 

It also defies common sense that we would request to be removed from forbearance 10 days before it would officially end. In fact, we made a mortgage payment on XX/XX/XXXX in anticipation of resuming our regular payments and to ensure that you received the payment on or before XX/XX/XXXX, when it would be due. 

I have contacted Mr. Cooper and spoken with several agents in several departments and have requested immediate correction. I am still awaiting a correction. 

If I don't receive a favorable response, I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 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: NJ

Complaint narrative:
Ive sent several letters to Experian asking them to delete several inquiries and accounts from my consumer profile. Ive been a victim of identity theft since XXXX and have been working diligently to restore my consumer profile. Ive sent police reports to Experian which they should have in their system. They continue to report a fraudulent account on my consumer report. The company XXXX XXXX XXXX continues to show them copies of bills, not an agreement bearing my signature regarding this alleged debt. They have taken me to court of this alleged debt but still never showed any proof that this alleged debt belongs to me. They continue to ruin my credibility in obtaining credit and I will be taken legal action against Experian and XXXX XXXX XXXX. Account in question XXXX : XXXX. Im updating copies of reports from XXXX and XXXX as well as alerts i gave on my personal information showing that Im still dealing with identity theft and how my information keeps circling on the dark web.

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 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I applied for a Chase XXXX credit card on XX/XX/2022. Immediately I received an email stating that my credit card was being processed Ref # XXXX. Then soon after I received another email that further documents were needed. I sent various documents such as a billing statement showing proof of my mailing address XXXX XXXX XXXX, I also sent a driver 's license showing proof of residential address, also sent a bill showing proof of residential address by fax, mail and email. All documents were denied and my application was never processed. I must have sent all documents probably about 10 times and still no answer. I think they are having issues with my address on file since I already have a Chase Freedom credit card and the addresses I have provided. I have called about 10 times and today XX/XX/2022 I had enough talking to XXXX from the fraud department at XXXX and she hung up the phone when I requested to speak to a supervisor. I have provided all that they have requested and nothing has been resolved and difficult to get a hold of and speak to them. Very rude and unprofessional reps. My credit score is about 820 and I have a good standing with Chase freedom card over the years. The only problem I see them on purpose denying me a credit card based on race or some other factor and that is discrimination. I don't see any other problem since I have provided what they asked for but still my credit card has not been processed and a hard credit was run on my report. I have gotten many letters about 5 stating that Chase unable to process my application but no reason as to why.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Submitted application for XXXX XXXX credit card due to my credit file being restricted to obtain credit without verification I had to do extensive verification I went through that process with representative as she verified identity she proceeded to process my application when she presented me status she stated it was denied due to info not being verified I find that hard to believe with every piece of information matched up to my identity as well as what is on credit file I feel as this is an act of discrimination why credit wasnt granted and I want this to be looked over the reason for decision was not warranted and not fair.

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 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Birchwood Credit Services, Inc.
State: SD

Complaint narrative:
A bank in New Hampshire ran my credit from my social security number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Duncan Solutions, lnc.
State: VA

Complaint narrative:
I had been getting debt collection letters multiple times regarding toll violation, and im sure i did not made violation. I received the first letter on XX/XX/XXXX for {$410.00} ( i paid this not knowing this is a fraud ), i received the second letter on XX/XX/XXXX for another {$140.00}.

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 2022-02-08 00:00:00
Product: Student loan — Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
THIS IS NEW INFORMATION ADDED OF THE LIE I CAUGHT XXXX. 
THIS IS NOT A DUPLICATE. 

XXXX is in violation of 15 U.S Code 1681 by submitting and reporting inaccurate information to CRAs. Which is a FEDERAL VIOLATION. 
XXXX LIED and said theyve deleted all information from my credit report, yet the documents Ive uploaded proved different. I AM THE NATURAL PERSON AND THE ORIGINAL CREDITOR. I did NOT give XXXX any permission to report this inaccurate information to any CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The issue began with XXXX XXXX XXXX XXXX reporting an erroneous collection to the credit bureaus. They claim to represent XXXX XXXX XXXX whom I had a tenant contract with. Due to multiple serious violations and complaints, I was given the authority to terminate lease early and stated as much in an email from the then property manager I could do so without penalty. Subsequently they cut off communication to me. I sent a certified letter to the address in the lease regarding my intent to vacate. Rent paid until the day I vacated. They not only received my letter, but then claimed to never have received it. Evidence from USPS supports this. They did purposely and with intent to harass me. This same manager was convicted and sentenced to Federal prison late last year for fraud among other charges. XXXX has removed this account as no documentation supports this purported debt. XXXX is in the process of removing it also. Experian refuses to provide proof or delete it.

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 2022-02-08 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:
During the time I was in the market for a personal loan, I found XXXX XXXX appealing because their website states that an application does not impact my credit report. 

On the FAQ section, at the very bottom, the website states that the following : Will my credit score be affected if I apply? 
When you apply for an XXXX XXXX loan, XXXX XXXX will pull your credit report in order to determine what lending products you may qualify for. This inquiry will not impact your FICO credit score. 

But I found out this weekend, that this is not true at all. In fact, I have XXXX hard inquiries on my credit report from this company on XX/XX/2021 and XX/XX/2021. When I found out about this I emailed XXXX XXXX and requested they remove the inquiries because their website is misleading. 
The company responded to my email, they would not address the discrepancy and simply refused to remove the inquiries. As I look at the company reviews today, several websites such as XXXX, XXXX XXXX XXXX XXXX also state the company does not do hard inquiries which further add insults to this situation because people are coming to same conclusion as me and its not right to be so deceitful. 

In fact, XXXX 's review on XXXX states that they will report payment history to the credit bureaus and that's not true as all, they only report negative payments not positive history. I called several times about this as well because my loans have never reported and I didn't find out until well after the loan was disbursed.

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 2022-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
XXXX. The company has refused to comply with my debt dispute letter and request to validate the alleged debt with documentary evidence including all GAAP requirements. 
XXXX. The company has also failed to comply with the consumers right to rescission pursuant to 15 USC 1635 ( b ). 
XXXX. The company has violated the FDCPA by continuing to collect a debt after the alleged debt has been disputed. 
XXXX. The company has violated FCRA by reporting negative items to a third party reporting agency without validating the alleged debt lawfully. 
XXXX. The company has violated the consumers privacy rights by continuing to harass the consumer via XXXX XXXX attempting to collect a debt that hasnt been validated.

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 2022-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/XXXX, Chase attempted and failed to debit my bank account for an autopay transaction due to insufficient funds. On XX/XX/XXXX, Chase attempted another debit which completed successfuly. Regardless, I was charged a returned payment fee and interest on the balance. I contacted Chase over the phone and was connected to a support agent. I requested reversal of both returned payment fee and interest charges and I was only granted a reversal of the former, which I accepted. I then inquired whether any residual balance remained that would collect interest. The agent told me that there was no revolving balance that remained. On XX/XX/XXXX, I was charged interest once again, suggesting that the agent misinformed me. I reached out to Chase on XX/XX/XXXX through secured message asking for reversal of this interest charge and the company refused and did not address the content of my message, simply explaining what residual balance was, so all I received was a boilerplate response and no clear interest in resolving the issue. I have no idea whether my balance is still collecting interest or what is going on and I have no confidence in support agents ' ability to answer accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SUN LOAN COMPANY INC.
State: TX

Complaint narrative:
The lady at sun loan gives me a negative remark monthly. Has for 5 years. First off 5 years is long enough take off my credit already! Second stop adding charges that is uncalled for! Stop trying to be relevant and staying on my credit because your bitter or unhappy or power trip honestly I dont know but it needs to stop. And the original loan wasnt {$200.00} it was {$100.00} so that's incorrect there. I didn't get {$200.00} so where did the other {$100.00} go? On top of payments had been made. Maybe not all but some. I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I had been a victim of XXXXdentity Fraud on the date of XX/XX/2022. My XXXX phone was hacked and all the money in my Bank of America Savings & Checking Account was being used in various locations for various things. These charges range from the low hundreds to the thousands until the account had been run dry. I found out days later after the damage had been done. I went to my Bank of America Financial Services location to put in a fraud claim on my debit card and checking account. I also needed to go there to verify my identity with them physically, because the fraud activity rendered me unable to log into my mobile banking app which made it impossible to see what was going on. The claim was put, but I didn't get hardly any of my money returned to me. This has been going on for about a month now. I've been a member of this Bank since I first got a debit card in the early 00 's. So much so that I'm a " Preferred Customer ''. I've heard so much that the bank usually just refunds your money and continues investigating. In my case, they didn't even try. Now they've closed the case and say that they're not going give me back the money. I have a police report, bank statements, claim numbers from the bank and the phone company ( XXXX ), with dates, times, and other information. I have sent this information to the bank to help them with their investigation. They seem to be just ignoring me. Im being discriminated against by this bank and I need to know why. I don't have a job right now because I quit to caregive for a member of my family. I saved that money i had to prepare to go without a job for some time to help my Grandma and my family. Please help me. 
XX/XX/XXXX. Bank of America Claim # XXXX XX/XX/XXXX. XXXX Fraud Claim # XXXX XXXX XXXX Sheriff 's Department case # 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 monetary relief