vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
Consumer Statement of Ongoing Dispute to Be Added to My File

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 2020-10-07 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
Consumer Statement of Ongoing Dispute to Be Added to My File

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 2020-10-07 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: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over four months I have not received a response yet or an update to my credit report. I feel like I'm being taken advantage of and being ignored of my disputes. 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 have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: MI

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over four months I have not received a response yet or an update to my credit report. I feel like I'm being taken advantage of and being ignored of my disputes. 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 have 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 explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
On XX/XX/2020 at XXXX XXXX  I ordered a wire transfer from Goldman Sachs USA bank. Before the XXXX cutoff for same day delivery. A representative by the name of XXXX, at the Utah service center gave me the case # XXXX. At XXXX XXXX  I checked to discover it was NEVER received on my end. I contacted management and they said I should have it by XXXX XX/XX/2020. I still NEVER received it. They tried to process two transactions and steal one instead. While only informing me of one being delayed. I Never received any completed transactions. The representative was also very argumentative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: KEYCORP
State: WA

Complaint narrative:
I have two accounts from key bank on my credit report. Key bank sold the debt to XXXX XXXX XXXX but I just received a response from mercantile that says they havent had the debt since XXXX. Now it appears that key bank is just reporting it on my credit report without just cause to do so. This debt is also from XXXX so it shouldnt be on my report whatsoever. When it was sold to XXXX XXXX XXXX, I was being called and harassed all the time. On top of that, now the debt is just given to someone else? Terrible business practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: HOPE BANCORP, INC.
State: WA

Complaint narrative:
I refinanced my home loan with XXXX in XX/XX/2020. My loan amount was XXXX. I made my first payment to XXXX on XXXX for the month of XXXX including XXXX extra principal payment. I received a letter from XXXX dated XXXX stating my loan would be transferred to Bank of Hope by ( XXXX XXXX XXXX  ) on XXXX. I later received a letter from Bank of Hope stating that my loan would be transferred to them on XXXX but it was not dated. On XX/XX/2020 Bank of Hope reported my loan as being opened with them on XXXX with an original amount of XXXX and the amount owed on it as of XX/XX/XXXX ( and current ) is XXXX. My credit score dropped 56 points because of this. I have emailed all of my documentation to Bank of Hope showing loan was not transferred yet and my credit report showing the incorrect balance amount and after 3.5 weeks of calling them and emailing them it has still not been fixed and they still say they can't pull up my loan. I can not not make a payment on my loan because they can not find it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
I have been a quality mortgage borrower for close to 2 years. I have never missed a payment and have good credit. My mortgage was transferred from XXXX to NEWREZ. I received a letter saying my automatic monthly payment ( ACH ) would be automatically transferred over as well. I called NEWREZ to confirm this and the lady said that everything was set there was no issues. My mortgage has always been automatically deducted on the XXXX of each month. On the XXXX of XXXX, the first month money would need to go to NEWREZ, I got a call from my bank that I was over drafted. I called and found out NEWREZ had taken the payment out on the first rather than the XXXX. As a reminder I had called in advance and their representative had told me thats not what would happen. I called them immediately and they told me they would transfe the money put back into my account within 24-48 hours. I called the next day to make sure it was being done as I had already suffered multiple overdraft notices and fee 's. This was a Friday. The representative assured me the problem had been elevated to a supervisor and was being expedited. The rep even recited back my bank and referenced the account number it was to be transferred. On Monday after calling my bank I discovered the money still had not been returned and it was not scheduled to returned. I called NEWREZ again! When I got ahold of a rep they said that they MAILED me a check. I told her that this was not acceptable. The money was electronically transferred out and I wanted transferred back in immediately as I was overdrawn and suffering fee 's because of their mistake. The rep said he would speak to his supervisor. When he came back he said that his supervisor told him that because of Covid automatic transfers were slower than mailing a check. That is ridiculous. There is no comparison. An ACH transfer is instant. I called back and asked to speak to a supervisor. I told her that my money was transferred out electronically and could be returned in the same way immediately. She said it could not be done as there would be a month or two delay that way!!!!! She was uncaring, smug and offered no option other than waiting for a check. I asked to speak to her supervisor. I was told it would be 24-48 hours before I could speak to her. It has been 48 hours. I continue to suffer overdraft fee 's. I was lied to and they refuse to promptly return my money. There should be repercussions for this. I have already contacted my bank about moving my mortgage, but this company needs to be held accountable!

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have been attempting to get XXXX  to merge my old credit report with my new one since XX/XX/XXXX. I changed my full name as part of a divorce in XX/XX/XXXX, and they have refused to process my name change dispute several times this year for erroneous reasons ( " no ID provided '', even though my FL license and social security card are on the same page as my dispute letter ). I haven't been able to open any new credit accounts or loans for an entire year, entirely because they won't merge my old credit report ( under XXXX XXXX XXXX XXXX with my new legal name of XXXX XXXX XXXX. I have started the same saga with XXXX  more recently, and I'm sure Transunion will be just as useless as XXXX  and XXXX. I am desperate to get access to my credit again. Please help me force these companies to process my name change dispute.

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 2020-10-07 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: FL

Complaint narrative:
I have been attempting to get XXXX  to merge my old credit report with my new one since XX/XX/XXXX. I changed my full name as part of a divorce in XX/XX/XXXX, and they have refused to process my name change dispute several times this year for erroneous reasons ( " no ID provided '', even though my FL license and social security card are on the same page as my dispute letter ). I haven't been able to open any new credit accounts or loans for an entire year, entirely because they won't merge my old credit report ( under XXXX XXXX XXXX XXXX with my new legal name of XXXX XXXX XXXX. I have started the same saga with Experian  more recently, and I'm sure XXXX will be just as useless as XXXX  and Experian. I am desperate to get access to my credit again. Please help me force these companies to process my name change dispute.

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 2020-10-07 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Hello, I opened a Citibank checking and savings account on XX/XX/2020 in order to take advantage of a bonus promotion offering {$700.00} after completing tasks. The tasks were to deposit {$50000.00} in new funds into the account and maintain them for 60 days in order to earn the bonus. I met those benchmarks but Citibank is refusing to pay me the bonus.

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 2020-10-07 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:
Back in XXXX of XX/XX/XXXXI submitted some dispute letter pertaining to XXXX account # XXXX, XXXX XXXX, and XXXX XXXX account, # XXXX. 

I have yet to receive anything in the mail, or any kind of response pertaining to this issue. It is quite customary for the Bureau not to respond, or simply delay the process by sending out notices telling me that, they suspect, that my dispute letter was sent by someone else, but me. This in my opinion is quite insulting, and frankly, quite distasteful. What gives them the right to judge my writing skills, or my research skills, is it my gender, or race? Am I not educated enough to writte a proper letter? 

I have put countless of hours in research and development to not have them, properly investigate my dispute request. It is known that, failure to respond could result in a law suit against them, according to section 616 of the FCRA. 
These account seem to be incorrect, and all I am asking is to have them investigated, and have them respond back to me with updated credit reports, free of charge pursuant to the FCRA.

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 2020-10-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Chase bank has decided to end their relationship with me because they told me I was deemed a risk however this is due to the claims agents overseas who have repeatedly made mistakes on my claim and reported incorrect and inaccurate information which caused my account to be closed. Apparently this was related to a claim which I have not only reported to them but I have also provided a police report to them as substantial evidence to support my claim. Apparently the claims agents overseas have rushed my initial call while filing a claim and has caused my claim to be rejected even though I have reported my lost debit card to the police department. I have also reported a fraudulent check which was deposited in my account without my authorization or knowledge which the agent clearly missed on the claim which also caused the closing of my account. I have done nothing wrong as a consumer and an investigation needs to be launched on the claim agents who took my calls and reported inaccurate information who caused my account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: I.C. System, Inc.
State: VA

Complaint narrative:
I am filing a complaint of non-compliance against the following collection companies : 1 )  I C SYSTEM ( XXXX XXXXXXXX XXXX XXXX ) 2 ) XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX  ( XXXX  XXXX  ) 4 )  XXXX  This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records  and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to EXP and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the XXXX for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the  information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

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 2020-10-07 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: T.S. Holdings
State: IL

Complaint narrative:
This company is reporting inaccurate information on my credit report, and refuses to launch an investigation into the account thats being reported to Credit Bureaus under my Social Security number. On XX/XX/2020, I mailed a dispute letter via United States Postal Service Certified Mail, to I.Q. Data International Inc. to the address XXXX   XXXX XXXX XXXX, WA XXXX, which is listed as their contact information. This dispute letter was delivered and retrieved from I.Q. Data International Inc., on XX/XX/2020, it requires a signature from the recipient for its release via United States Postal Service. I.Q. Data International Inc. hasnt responded to the dispute and failed to launch an investigation into this account within 30 days which is required by the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). This company also failed to mark my account as disputed within 30 days which violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act, Section 807 ( 8 ) by not placing the disclosure within the 30-day required. I have attached a screenshot of the tracking information stating this letter was received on XX/XX/2020. It is XX/XX/2020 and I still havent received anything from this company pertaining to an investigation of this account on my credit file. I am requesting that this inaccurate information be deleted from my credit file immediately with XXXX, XXXX, XXXX  and any other credit bureaus. I.Q. Data International Inc. has violated federal laws and continue to report negative information on my file, without launching an investigation that is required by law. I believe theyre in violation of the Fair Credit Reporting Act and The Fair Debt Collection Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
In XX/XX/2020 I applied and was approved for an American Express XXXX XXXX XXXX XXXX. Part of the reason I chose this card was because American Express was offering {$150.00} cashback if you spent {$1000.00} in the first three months. On XX/XX/2020, American Express emailed me " COVID-19 support : Update to your Welcome Offer '' extending the time I had to spend {$1000.00} on the card to 6 months. I fulfilled these terms, but never received my {$150.00} cashback. My boyfriend applied for and got this card at the same time I did, and he received his {$150.00} cashback as soon as he spent the requisite amount. I called American Express in XXXX to ask about this, and they said they would open an inquiry and look into it. Nothing happened for about 10 days so I called again, and they apologized and said they would open an inquiry. On XX/XX/XXXX I got an email saying an inquiry was opened, but nothing ever showed up on my account and I still have not heard anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've been a victim of identity theft and the CRA Transunion hasn't removed the following accounts. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX recently called them and they confirmed they have my FTC and police reports to validate my claims. Please ensure Transunion removes them.

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