vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
Synchrony Bank. On XX/XX/2022, I decided to close my account since Synchrony Bank 's website wasn't working properly. I was told it would take 4 business days to close the account and 2 additional business days for the money to be moved into my account at another bank that was previously set up for external transfers. After waiting that period of time NOTHING HAD BEEN DONE. I tried to initiate a transfer at that point because I NEEDED ACCESS TO MY MONEY but it was cancelled by Synchrony. They will not communicate with you by email, you have to call and sit on hold until they get around to answering ( I held for over 45 minutes at one point, and hung up because I couldn't wait any longer ). It is now XX/XX/2022 and they have transferred approx {$500.00} - less than 10 % of my original balance but I am still waiting for them to transfer the remaining {$7000.00} OF MY MONEY. UNACCEPTABLE.

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
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CADENCE BANK
State: MS

Complaint narrative:
Account set up for credit only while waiting for debt card mailed to the bank for me to pick up yet never received. Social security check etc. Video of being inside the bank but no transaction of withdrawal money from my account. Forced to closed my account because because they said they didn't want to serve a customer that didn't trust them. However I never got the debit card nor did I order check yet checks were written on me and they are saying I did. This is fraud and the bank doesn't care About what they have done. This has put me in great financial situation. Social security check and government checks. Bank has banded me from coming thee anymore said do what I have to do because they don't care this Bancorp South bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
My account with my bank USAA was closed due to fraud supposively. The same week I received my income tax refund. I had over {$15000.00} in my account. Now today is at {$7400.00} due to my bank taking money out of my account. My checking account is closed in a credit only status. I was told it would be closed XX/XX/XXXX. I called every other day until XX/XX/XXXX. And after several hours on the phone I was then told is was being closed and call back today XX/XX/XXXX to ensure my money was released. However, on XX/XX/XXXX Monday the next business day they opened the investigation back up and have given me a date of XX/XX/XXXX. I lost my job the week after my account closed and have been unemployed since with no work and and being a recognized XXXX veteran I have lost my vehicles and have had to file bankruptcy due to my money being held XXXX after 60 days of the agreement. It has been XXXX  days. I am just trying to save my house from foreclosure.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have requested that Experian update my address on my credit report to reflect my only address which is XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX and they have refused on both occasions. I sent this request on XXXX and they still have address on my credit report that I do not live at. 

XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN 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 2022-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Paypal is knowingly allowing theft and fraud to occur on their platform. I was involved in an identify theft and phishing scam through XXXX XXXX on XX/XX/XXXX which involved sending money through paypal. This should be case number : XXXX I notified XXXX within 2 hours of discovering the scam and asked them to stop the transaction. I provided details as well as photos and conversations including a photo of the perpretrator admitting through Paypals communication platform that he/she was not the intended recipient of said transaction. The phone call to Paypal support was outsourced to an Eastern country. They said they would investigate and I would hear back, my instinct could tell they were just trying to rush me off of the phone rather than actually do something about it, I escalated to a manager, and was promised return phone calls or an email resolution. Through persistence I got a manager on the phone, I asked for reference numbers for investigation as well as proof of an SAR suspicious activity report. Turns out there would be no SAR submitted which is a federal law through Dodd Frank as well as Bank Secrecy Act. When I did hang up the phone I received an email almost immediately that investigation was concluded. After completely giving up on Paypal following federal guidelines I called my bank and put a block on the transaction. Paypal is now harassing me sending me emails and letters that I owe this money. I want paypal investigated for encouraging/enabling fraud as well as noncompliace with Dodd Frank submission of SAR and other mandatory fraud and AML compliance documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: Netspend Corporation
State: MN

Complaint narrative:
My daughter is a vulnerable adult on social security disability. I have Power of attorney for her and I am the Payee on her social security. Her mother is on the account but unfortunatly she passed away. She is in XXXX XXXX XXXX XXXX. She has a Netspend debit card account. Netspend has refused to talk to me and there has been fraud on her account. I was able to turn the card off and went through soc. sec. and had her direct deposit changed. I have not been able to talk to anyone at Netspend other than they said I needed to send them the POA. I did that and they said they did not receive it. I sent it again and this time had the post office get a signature. I then went to the Minnesota Attorney General office and they sent my request and they have not received a reply either. My daughter seems to think there should be XXXX XXXX in her account. Doing the math -- she has been receiving {$1200.00} per month. I believe she has not spent anything in the last six months ( she has been hospitalized and now in group home ). I was able to see a balance of aproximately {$900.00} on phone inquiry. But, I also saw many transactions when I know she was unable to make them. I was sitting next to her when one transaction took place. I have asked but Netspend has been unwilling to even talk to me. I also sent them an email and got the computer response that they received it, but no person has responded. In short Netspend has refused access to her account, money, transactions etc. What I would like is to be able to get her money out and pay her bills. I would like to hold Netspend accountable. My daughter says she never received the card on which all these transactions have occurred. I would like to see all the transactions on her card since it was issued. The account balance at the time it was issued. 
Depending on how you look at it, but since her only source of money the social security direct deposit -- I would call this fraud on her social security. At minimum it is fraud on the part of Netspend since they have not allowed her/me ( her POA ) to access her funds. 
Basically no effort by Netspend to even respond let alone resolve. My daughter has not had access to her own money for many months now.

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 2022-05-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: TN

Complaint narrative:
Our property taxes for the year were {$970.00}. 
There was {$4600.00} in escrow. 
Lakeview ( XXXX XXXX ) claims to have disbursed {$6200.00} to the city and the county, who have not received payment. 
I subsequently paid {$1000.00} out of pocket per an end of the year tax bill. 
The city and county tax divisions do not record any other debts paid on the property. 
Because Lakeview claims to have disbursed {$6200.00}, they now also claim that our escrow account balance is- {$1500.00}, and have increased our monthly payments by {$340.00}. 
This is a new build home that closed in XXXX. The property taxes did not total $ XXXX for the entire year and were estimated at {$3400.00} at the date of closing.

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 2022-05-26 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: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have disputed the XXXX XXXX  info @ least once on all 3 reporting companies and obviously they all get the same info from XXXX.this acct is from XXXX and should be removed. I have been told by XXXX it would age off XX/XX/XXXX, Experian XX/XX/XXXX. However now XXXX has changed acct closed dates to XX/XX/XXXX. I have been unable to secure an auto loan since this, even though I had a paid as agreed XXXX XXXX just paid off XXXX ago. I was told by Finance mgrs they have never seen a closed auto loan be re opened ever much less 7 years.later. I can't get any help from credit agencies and don't understand their broken english. I'm not real savy with this but I hope you could investigate and fix.this. I have never filed a cplaint before but I am being mistreated here and if you look at all dates and documents I know you will understand what is going on. Please help, I have worked hard to fix things and now I get turned.down.for.everything. looking.to use my VA loan to buy a home, I'm a 40 % XXXX XXXX XXXX and I'm not asking for a favor just want this.to be fixed correctly. Also I'm sure last payment was in XXXX. I lost my job couldn't make payments and in XX/XX/XXXX I started getting my SSDA and soon after.my Veteran.Diability or this would never happened. That's why I think XXXX last payment.i just want to know when this will be removed as XXXX XXXX  is mad at my disputing but I know they have changed dates etc... Very sorry this is long but I'm very upset and can't get help and will this cover all 3 bureaus? Thanx, 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 2022-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Torriere Holdings INC
State: SC

Complaint narrative:
I received emails and phine calls from spire recovery solutions. I told th on the phone and via email to send me via certified mail any a d all documents pertaining to the supposed debt and to cease and desist all collections and reporting until such time as the debt has veen validated. On XX/XX/XXXX i received confirmation from them via email that they would get those documents mailed out to me. Then on the XXXX they called again to attempt collection and once again today XX/XX/XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MIDFIRST BANK
State: IN

Complaint narrative:
Midland Mortgage from Oklahoma XXXX. 


i send a paymet of {$8200.00} to cover my last 2 months and also pay 3 months in advance due to my health issue i didnt wanted to have to worry about mortgage i send it thru mail certified letter post office advice my midland mortgage should receive letter by monday i called wed to make sure everything is good and payment was applied as i explain 2 past due and 3 months in advance to my surprise XXXX ID XXXX advice me no payment have been posted she said she was going to email cashier and payment shoul be posted by the end of the day i explain to her tracking # is telling me letter was received monday she said no to worry to call tomorrow which i did spoke to XXXX  id XXXX i asked her if payment has been posted she stated no payment has been received i explain to het i spoke to XXXX and she was going to email cashier she said no email was sent and she has to put a summit of lost check and is going to take time to track payment... how does a payment gets lost????? I WANT MY MONEY APPLIED TO MY MORTGAGE IMMEDIATELY AND WAIVE FEES THEY HAVE CHARGING ME FOR THIS COMPANY MIDLAND MORTGAGE IS NOT HERE TO HELP OR HELP US SAVE MY HOME I FEEL THEY WANT ME TO LOOSE MY HOUSE, AFTER I HAVE DONE EVERYTHING THAT IM SUPPOSE TO PLEASE HELP ME.

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 2022-05-26 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: FL

Complaint narrative:
Hellos Guys!! 

I sent letters to the 3 credit agencies XXXX, XXXX and Transunion to verify some elements that are being reported on my credit. I have been investigating and discovered that the credit bureaus have been violating my rights by reporting accounts or negative items incorrectly, since I see that each one of them reports different balances, wrong dates and incorrect late payments.

I have also sent letters to the creditors who are reporting on my credit to update the information in my report and they ignore me, they have not given me answers. 

I have sent letters to the bureaus since XX/XX/XXXX and to this day they continue without giving me an 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 non-monetary relief