vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-06 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I disputed a negative reporting against my account by XXXX. All three credit bureaus placed a statement that the amount is disputed by the consumer by have not removed it from my credit report. XXXX will not discuss the inaccurate information claiming that the account is with an outside agency, XXXX. XXXX now states that are no longer handling the account. The credit bureau investigation is really not unfair. The bureaus simply ask the creditor if the information is correct then continue to report the information. A consumer who faces so much financial hardship due to damaged credit should not have to go through hoops to correct an error on her credit report. It is unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: COMMUNITY FINANCIAL SYSTEM, INC.
State: NY

Complaint narrative:
on XX/XX/XXXX, I called my lender asking for a one or two month extension on my auto loan. I have never once been later nor have I requested a previous extension for this loan. Before even explaining my situation, I was advised by the rep that they werent giving extensions for covid ( this was odd to me, as every other lender is bending over backwards to assist ). I then advised that I needed to request a one or two month auto extension due to unexpected vet bills, and was advised " well thats a first. '' She then stated that this wasnt really a valid reason and that normally extensions were only given if I was in the hospital or lost my job. I stated that I was facing a short term hardship and needed the extension. She then advised me that they only grant one month extensions. After some calculations, she advised that to defer my {$430.00} payment, it would cost me roughly {$350.00} to which none of this would go towards my loan, it was " just the cost to defer the payment. '' I asked how the Bank could charge me for my hardship, as I have never been charged for an extension with any other lender. She stated that it was just their rules. To benefit off of a customer hardship and make them pay for financial assistance is horrible and takes advantage o a customer in a time of need.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax continues to report inaccurate information even after original creditor requested removal. I have made multiple disputes to have this removed. On XX/XX/XXXX XXXX XXXX  requested all three credit beauros to update the XXXX XXXX Credit card as paid in full and remove 4 late payments dated XXXX. XXXX  and XXXX  complied with the request however Equifax has not. On XX/XX/XXXX I filed a dispute through Equifax online dispute center. I provided the affidavit with the request to correct the derogatory account and remove the reporting of late payments from XXXX. I received the results of the dispute on XX/XX/XXXX and the information had not been updated to correctly report the information. Additionally, I filed a report with the Consumer Financial Protection Bureau. Equifax  responded to the dispute stating that they would investigate and update the information accordingly. They have yet to update. On XXXX XXXX they updated the account still reporting the innacurate information of 120 day late payments from XXXX. 

Your Desired Resolution : This information on my credit report needs to be corrected immediately. It is currently preventing me from getting a home loan. It is an absolute failure and is placing an undue amount of distress on myself and my family. Equifax must remove late payments dated from XXXX on the XXXX XXXX XXXX credit card .

This case will be reviewed by a complaint specialist at the XXXX  XXXX  XXXX, and then forwarded to the business for their response. It is our policy to allow the business 30 working days to respond to your complaint. You will be notified when the business has responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
On XX/XX/2020 LVNV Funding LLC. added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: ERC
State: GA

Complaint narrative:
On XX/XX/2020 XXXX XXXX XXXX. added a derogatory mark on my credit report per XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a written signature does not validate the debt ad anybody can send a bill and say its mines. According to the FCRA, XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XXXX  continues to report inaccurate information even after original creditor requested removal. I have made multiple disputes to have this removed. On XX/XX/XXXX Syncrony Bank requested all three credit beauros to update the Synchrony Bank Credit card as paid in full and remove 4 late payments dated XXXX. XXXX  and XXXX  complied with the request however XXXX  has not. On XX/XX/XXXX I filed a dispute through XXXX  online dispute center. I provided the affidavit with the request to correct the derogatory account and remove the reporting of late payments from XXXX. I received the results of the dispute on XX/XX/XXXX and the information had not been updated to correctly report the information. Additionally, I filed a report with the Consumer Financial Protection Bureau. XXXX  responded to the dispute stating that they would investigate and update the information accordingly. They have yet to update. On XXXX XXXX they updated the account still reporting the innacurate information of 120 day late payments from XXXX. 

Your Desired Resolution : This information on my credit report needs to be corrected immediately. It is currently preventing me from getting a home loan. It is an absolute failure and is placing an undue amount of distress on myself and my family. XXXX  must remove late payments dated from XXXX on the XXXX XXXX XXXX credit card XXXX 

This case will be reviewed by a complaint specialist at the XXXX  XXXX  XXXX, and then forwarded to the business for their response. It is our policy to allow the business 30 working days to respond to your complaint. You will be notified when the business has responded.

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 2021-03-06 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:
I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. And the multiple name spellings.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I have a XXXX account that was paid in full and it shows negative as well. 
XXXX bill And multiple ( 10 ) name spelling addresses XXXX XXXX  XXXX  XXXX, XXXX, ny XXXX XXXX XXXX XXXX XXXX XXXX, nj

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: NY

Complaint narrative:
I disputed a negative reporting against my account by XXXX. All three credit bureaus placed a statement that the amount is disputed by the consumer by have not removed it from my credit report. XXXX will not discuss the inaccurate information claiming that the account is with an outside agency, XXXX. XXXX now states that are no longer handling the account. The credit bureau investigation is really not unfair. The bureaus simply ask the creditor if the information is correct then continue to report the information. A consumer who faces so much financial hardship due to damaged credit should not have to go through hoops to correct an error on her credit report. It is unfair.

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 2021-03-06 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: NY

Complaint narrative:
I disputed a negative reporting against my account by XXXX. All three credit bureaus placed a statement that the amount is disputed by the consumer by have not removed it from my credit report. XXXX will not discuss the inaccurate information claiming that the account is with an outside agency, XXXX. XXXX now states that are no longer handling the account. The credit bureau investigation is really not unfair. The bureaus simply ask the creditor if the information is correct then continue to report the information. A consumer who faces so much financial hardship due to damaged credit should not have to go through hoops to correct an error on her credit report. It is unfair.

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 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Heads up : A lender reported that you opened a new account with them. 

Visit the Alerts section of XXXX from XXXX XXXX to review a recent change in your TransUnion credit report. To protect your privacy, we arent including any confidential details here. 
Sign in soonstaying on top of your credit can help you defend yourself against potential fraud or identity theft.

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 2021-03-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Comerica
State: CA

Complaint narrative:
i can't get through to close my account. every time i called it say there is a high volume of calls. i've had a different account since XX/XX/2020. the information with the veterans administration is current. i haven't used the direct express account at all. except because my last covid relief payment was sent there instead of my current bank account. since then i have been calling trying to close that account. every time i've called there's the same message. also, when i've tried to transfer the funds to my current account i'm charged a fee to transfer it. it's never transferred. then i'm charged another fee when the funds and credited back to the account. i've had several other previous issues with this company. that, along with the fact that there is no checking, or credit reports issued, is why i changed banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: NY

Complaint narrative:
THE THREE BUREAUS CONTINUE TO REPORT A COLLECTION ACCOUNT FROM XXXX XXXX WITHOUT A PROPER INVESTIGATION INTO THE ACCURACY OF THE INFORMATION. Merely adding a statement that the account is being disputed is not enough. When the creditor refuses to address the dispute and claims that there is a collection agency, that creates a scenario where the consumer can not have any recourse. 
The creditor will not address the derogatory reporting, the collection agency can not and the credit bureau can report as long as the creditor says the information is correct. What is a consumer supposed to do? I have attached the account that is inaccurately being reported. 

Bureaus have not compiled with the requirement that if the creditor does not provide proof in 30 days, the information should be deleted. Please see what was provided by XXXX in response to my requests for proof. I have attached the details of one of the investigations by one of the bureaus. I could not access results of disputes from other bureaus. See dates reported to bureaus and dates of unitemized bills.

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 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: John C. Heath, Attorney at Law, PLLC
State: UT

Complaint narrative:
Over the past year I have paid Lexington law firm and infinite finance to repair my credit. The negative items on my credit are old, settled, went through a chapter XXXX in 2012 or are simply not mine. I was told by both companies that it wouldn't be hard at all to get them removed. My credit sits on now at XXXX and I am trying to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: AL

Complaint narrative:
I sent Transunion a dispute letter around XX/XX/2021 for the negative marks on my account for the amount of {$280000.00} from XXXX XXXX. They haven't corrected the issue or contacted me about this matter.

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 2021-03-06 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2021 I received a letter from Chase bank saying they would be closing all of my business bank accounts with Chase. The letter stated they would be ending our relationship with Chase and closing our accounts. We received no warning and zero further clarification/information after contacting them via telephone and after visiting them at the branch. We believe this is unfair and unlawful business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 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: LD Holdings Group, LLC
State: AL

Complaint narrative:
I sent XXXX a dispute letter around XX/XX/2021 for the negative marks on my account for the amount of {$280000.00} from Loan depot. They haven't corrected the issue or contacted me about this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
my credit score was XXXX then within a month my credit score dropped to XXXX for no apparent reason. 
I pay all my invoices on time unless I do not receive the invoice

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 2021-03-06 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: CA

Complaint narrative:
Transunion, XXXX and XXXX  is not investigating my dispute I gave them a few instructions and outlines showing that I wasnt late. Instead they give me a result saying I didnt specify what I was saying on my dispute. I dont believe they did a proper investigation because saying not specified means I didnt explain what I mean. So they are wrong.

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 2021-03-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: CA

Complaint narrative:
I was contacted by Amerisave representative after I went on line to inquire about refinancing my home. The Amerisave representative is XXXX XXXX. This was approximately in XX/XX/2021. He took my application and said he could get me a 3 % loan in 30 to 60 days. That did not happen. When I applied with Amerisave I was told I had to give Mr. XXXX XXXX, which was non-refundable, to start the process. I gave him tyhe XXXX and provided all documents asked for within days of there request. Only to be asked for them again and again, which I provided multiple times. Now today Mr. XXXX called me today to say that the underwriters still have more questions and now after all this time he will submit my documents and application to them. I think? Its hard to get a straight answer from this guy. I asked prior to this conversation, to refund my money, since the loan hasn't went through at no fault of my own. But apparently Mr. XXXX has not given my application the time needed for approval. He did not reply to my request and today XX/XX/2021 said he was going to finally submit my application to the underwriters. Since they had my money, I feel like this company and their representative have stolen XXXX dollars from me and destroyed my opportunity to get refinanced at historic lows and still are not letting me know if the loan is going through or not? I need someone's help to make Amerisave either refinance my loan at the agreed 3 % or lower since that is what he stated he could do.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Pangea Universal Holdings, Inc.
State: NJ

Complaint narrative:
Dear Sir I am COMPLETELY AT A LOSS TO INFORM THAT .It appears Pangea account has been hacked and my personal information such as my phone number and bank account details have been stolen. 
I called their office immediately on XXXX XXXX by phone after getting alerts from my bank and informed Mr.Carlos that four unauthorized /fraudulent attempts were made to withdraw {$450.00} from two of my bank accounts registered with Pangea to transfer money fraudulently to 1 ) XXXX XXXX and 2 ) XXXX in XXXX .I had never registered these recipients with Pangea and this hacking has completely shaken us which is going to serve as a deterrent to deal with Pangea in future .. 
So far a total of 3 debit entries of {$490.00} are showing in the bank accounts ( with XXXX XXXX XXXX  of New Jersey ) and I am awaiting reversal action from Pangea as my repeated request to the company has not yielded any response & they are also not responding to the call made by the bank officials. from the respective bank to secure refund of the unauthorized withdrawals. 

Kindly look into and advise how to get our money back and what steps Pangea has taken to ensure it does not happen again and valued and loyal customers like me do not suffer a loss and such a harassment again. I also spoke to their supervisor Manager XXXX and XXXX separately but have not been able to get a redressal of my complaint. He simply kept repeating follow up with your bank. 
I have documentary evidence from Pangea clearly stating that these transactions have been cancelled but still they have not sent the refund to my bank. 
Please acknowledge and initiate a prompt remedial action in the matter XXXX XXXX Realtor, Broker Associate XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) Number XXXX Cell ; 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