vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 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: TN

Complaint narrative:
On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes and concerns. Section 611 ( A ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts 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 gotten 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 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I recently ordered a new card ending in XXXX. However, XXXX was able to charge my old card ending in XXXX and the funds were taken out my account. I have not added my new card to XXXX yet and XXXX transactions shows that the XXXX card was charged. No issue there because I know where the charges came from but my main concern is what if the reason I ordered a new card was because of unauthorized transactions. Does this mean that those people can still use my previous card number to access my funds? I went through their chat and tried speaking with an agent but there was no luck there. This seriously has me wanting to close my account because that is so unsafe and makes me feel like the security is jeopardized. There should not be a way for my previous card to still be linked to my account. This is a serious security issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I'm having difficulty accepting this issue and it's affecting my ability to sleep. I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of anxiety.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: TX

Complaint narrative:
I have a duplicate charge of {$44.00} for XX/XX/23 & XX/XX/23. I have called XXXX which is where the charge originated from and apparently it is Direct Express glitches ' that are causing the double billing. They collected on the XX/XX/23 charge and have not collected on the XX/XX/23 charge and do not intend to, per XXXX this is not longer a pending transaction and should have been credited back to my accoung I have called Direct Express several times over the last week. I actually waited on hold for two ( 2 ) hours and again for over an hour. You can not get through. I called Comercia bank as they are the bank which issues the card and they could not help and refused to even talk to me. 

Someone needs to be held accountable for this. I have tried to dispute the charge, but can not get through. Something is going on with the company. XXXX stated that it is XXXX XXXX and Direct Express experiencing this problem with double billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Lockhart, Morris & Montgomery Inc.
State: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
National Credit Adjusters ( NCA ) is attempting to collect on a payday loan debt that was initiated through XXXX XXXX a licensed XXXX XXXX XXXX XXXX XXXX XXXX in Texas ; XXXX  meaning, XXXX XXXX  do not offere loans in Texas. The loan was arranged with XXXX XXXX XXXX XXXX, my lender, in the amount of {$2000.00} on XX/XX/2022. I have attempted on several occassions to reach my lender, in an effort to resolve this matter. I noly had one loan, but on my credit I am reflecting two loans totaling {$3300.00}, especially since payments was made on this loan. I was never told about another loan for {$590.00}, when ask to provide a Note or loans agreement, no one would furnish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TrueAccord Corp.
State: TX

Complaint narrative:
They are attempting to collect a debt that is not owed. The verification paperwork shows there are inconsistencies in billing practices, but they will not even look at the paperwork despite me requesting they do so for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: IA

Complaint narrative:
" 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt '' Company is in violation of this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: IA

Complaint narrative:
" 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 resulted from an alleged identity theft, not later than 4 business days after the date of receipt '' Company is in violation of this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: VA

Complaint narrative:
I have had multiple problems with money being siphoned out of my account on multiple occasions. I have filed disputes which were denied in 24 hours or less with no investigation into the matter. The bank said they would send me a decision letter within 10 business days which i never received and continuously requested for weeks. From my knowledge they do not adhere to Regulation E under any circumstance. My most concerning dispute was filed on XX/XX/2022 for {$1100.00} to claim id # XXXX. I sent an overwhelming amount of emails and made the same in Phone calls to support but was continuously told that there is no way to speak with the actually dispute department because they had no phone only email. I have been trying to figure out ways to get this matter resolved. In my search i found there have been a numerous amount of people with the same issue and was told this is the best way to get attention to the matter other than contacting news outlets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
Good evening, On my title status there are XXXX Liens. I have paid off my vehicle please see XXXX release attached. I noticed fraudulent on my title of a company I have never taken a lien out with in detail below. There is only XXXX lien on my vehicle which is XXXX, please see XXXX release attached. 

Please remove both liens off the vehicle. The vehicle is free and clear. Thanking you in advance. 

I NEVER TOOK OUT A LOAN WITH THIS COMPANY XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
Couple months ago I have the same issue with collection agency but now is a collection company named XXXX XXXX XXXX  for a charge amount of {$280.00} from XXXX XXXX XXXX XXXX. Once again I do not own any amount because the address in the original charge is a different one from my actual address. Somebody else is using my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I kindly request that you remove this erroneous account from my credit report, as it does not belong to me and I did not authorize anyone to use 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 2023-06-06 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: NC

Complaint narrative:
I hope you can help! I have submitted a compliant on XX/XX/ with the credit bureaus and no response! I to have incorrect information on my report that needs to come off! My understanding is that 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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. I will list the accounts below! 

XXXX. Validate Account XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. XXXX Account Number : XXXX XXXX. Validate Account XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

Validate Account XXXX XXXX XXXX XXXX XXXX 
Account XXXX : XXXX Please investigate and delete from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I have funds put on hold in my PayPal account for almost a month. I've called their customer support and messaged them ( see the screen shots ) multiple times to release the funds. They mention that its an internal issue, but without any updates or explanation of when the funds will be released. 

The funds will be put on hold for almost a month now without any information or updates on when the funds will be released or when this issue will be addressed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX- ACCOUNT # XXXX I am writing to bring to your attention the lack of response from your company regarding my request for investigation pursuant to the Fair Credit Reporting Act ( FCRA ) 623. On XX/XX/2023, I submitted a formal request for investigation concerning an account on my consumer report. However, to date, I have not received any communication or response from your organization, ( previous letter enclosed ). According to the United States Code, specifically 15 U.S.C. 1681i ( a ) ( 2 ) ( A ), upon receipt of a request for investigation, a company has a legal obligation to respond within 30 days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I filed for bankruptcy in XXXX and it was discharged in XX/XX/XXXX. My bankruptcy included 3 - Navient private student loans. These loans were discharged due to the fact that the loans exceeded the cost of attendance and were given directly to me, the borrower. Navient ( Sallie Mae ) never verified the cost of attendance to the community college I was attending at the time and these loans were not used for the cost of attendance to the school and instead given directly to me. Regardless of my bankruptcy, Navient continued to collect these loans, from XX/XX/XXXX to XX/XX/XXXX in the amount of {$11000.00}. 

In XX/XX/XXXX, a judge ruled that Navient could no longer collect on these loans, Tuition Answer loans, from the plaintiffs, therefore the loans were transferred to my co-signer instead, without her knowledge or any formal documentation. 

According to an article released by the CFPB, you warned several companies about collecting debt after being discharged in bankruptcy. Navient has still been attempting to collect on this debt from the former co-signer, now the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: MD

Complaint narrative:
Beginning in XX/XX/XXXX, I have been requesting that Equifax update my legal name on my credit report. The name currently displayed on my report does not match any form of ID that I hold or any name reported by a creditor. I have submitted my court order of name change ; my driver 's license ; and my SSN card a total of XXXX  times for Equifax to review. As of today they still insist that they have not received a copy of any documents since XXXX of XXXX and can not use those documents for verification, as they are too old. 

On XX/XX/XXXX, I submitted my verification documents via email. On XX/XX/XXXX, I submitted them via physical mail. I submitted them again via physical mail on XX/XX/XXXX ; XX/XX/XXXX ; and on XX/XX/XXXX. I submitted via web portal upload on XX/XX/XXXX. And I submitted via fax on XX/XX/XXXX. 

At this point Equifax 's continued insistence that my documents have NOT been provided to them appears to be malicious, showing that my name change requests are being ignored and/or discarded willfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: SLM CORPORATION
State: MI

Complaint narrative:
I have sent in XXXX paperwork from my doctor. Sallie Mae has told me they don't recognize my doctor 's documentation as a valid proof of my XXXX ; therefore, they are forcing me into repayment which has caused an extreme hardship on my family. This is discrimination as when does a financial institution have the right to say someone is not XXXX when their medical doctor is saying they are??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
It has been over 30 days and the creditor has not updated my information not has provided prove or documentation on regards a late payment. they have not supplied this information and they must delete this information from my credit report. under federal law they 30 days to do the investigation and failing to do so the item must be delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TX

Complaint narrative:
This account does not belong to me! I already ceased this company! stop reporting on my consumer report you do not have my consent

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: LA

Complaint narrative:
On XX/XX/XXXX I was refunded {$310.00} in several refund transactions. Cash App put my money in the wrong account ending in XXXX. I do not own this account nor do I know who owns it. They gave my money to someone else. This has left me in a financial bind. I am unable to fill my regular medications I've been on for 13 years since I had a XXXX XXXX XXXX with XXXX XXXX  in XXXX. They keep me alive and free from another rupture. It is imperative I get my money and they have been giving me the run around

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
During the pandemic, my account was transferred to Carrington Mortgage Services. After fighting tooth and nail I got them to process a modification on the account. In XXXX, due to everything that was going on I was able to qualify for my mortgage to be paid for 18 months by the. The payments are made directly to Carrington but instead of applying the payments accordingly to my account, they have made a bunch of random payments and fees causing my account to not balance correctly. Now my account looks like it is two months behind but it is because the payments were inappropriately or not even applied to the account. I believe that there are some issues with their accounting and how they are applying those payments. I could tell where a portion of a monthly payment was taken and an entry for curtailment was entered instead of being applied to the monthly due causing the payment to be not only late but short of the monthly payment.

Company response to consumer: Closed with explanation