vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : Accounts : XXXX XXXX  XXXX Balance {$0.00} XXXX XXXX XXXXXXXX, XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXXXXXX XXXX  XXXX XXXX Balance {$440.00} XXXX XXXX XXXX XXXX Balance {$860.00} XXXX XXXXXXXX Balance {$200.00} Inquiries : XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXI Inquired on XX/XX/XXXX XXXX - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I had this account set up on auto pay to XXXX every month n my bill. I paid the bill off I assumed th auto paymnt was still set up as it is on all my other cards. I made a purchase from XXXX for XXXX. I never received a bill from TD Bank. I am set up on paperless billing. I went back through my email and can not find a bill. The monthly minimum due was XXXX with no interest. I have bever been late or missed a payment. I suffered the lost of XXXX family members. I assumed my bills were paid because I never received a notice or call that they turned off my auto pay. I received a notification that a payment was due. I was puzzled because my auto was set for XXXX. So I called TD Bank. And was advised By supervisor XXXX that was my problem not there's he removed the late fee of XXXX. I asked why I never received a bill or call. My bill was XXXX a month. So not my credit was reported as 30 days late he said. If I didn't receive a bill or they shut down my auto payment. Not my fault. I want the 30 days late removed from my credit report. I have paid this account in full and will never do business with them again. I felt like i was being discriminated against. For not receiving my bill or a call.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: PA

Complaint narrative:
On XX/XX/XXXX I received a deposit of {$1600.00}. The first XXXX bills I paid were my XXXX ( {$300.00} ) and my XXXX XXXX credit card for ( {$100.00} ). This left me with ( {$1100.00} ) I then proceeded to pay the rest of my bills. 

XXXX days AFTER they took this moneyXXXX XXXXt XXXX let me know they didnt receive my payment? XXXX XXXX  says they got theirs. Why would Chime take the time to send XXXX payment and not the other when I pay my cards together all the time? 
I certainly dont have {$300.00} to pay them AGAIN for money that was never even sent/RETURNED back to my account? I am so upset and terribly confused since Ive paid my credit cards several times with Chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX  XXXX {$0.00} XXXX  XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX XXXX account was settled a couple of months ago. Transunion, XXXX and XXXX are not showing the correct information on balances, that the account was settled and amount paid, etc. This information needs to be updated to be correct or delete this accounts from the the reports.

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 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, Transunion and XXXX in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

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 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX  XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
Back in XXXX my husband did a loan with XXXX XXXX who was bought out by XXXX than SPS Servicing. We paid faithfully every month for 15 years. Then we received notice that my husbands loan was a XXXX loan and it matured in XX/XX/XXXX. And that we originally took out for XXXX but in the end we owe XXXX. I asked how can that be so none of the payment went towards the loan? They added on fees, for what I don't know, one person told me from transferring from one company to the next I said so none of MY PAYMENTS WENT TO THER LOAN????. So I said for 15 years payments not one penny went to the loan?????? Hard to believe. I've asked for copies of every payment, can't get that because its 15 years old and the first company is out of business. I found out that XXXX out of the XXXX payment was going towards the loan. So if that is true that would be that I at least paid XXXX of this loan off????? They are stating that we owe the whole amount of XXXX. I paid XXXX already to see if they would settle for that and they said no your house is going for short sale or foreclosure. So my husband went into his XXXX k and took XXXX out to pay them to save our house. I tried for a year to do a modification with them as I sent in paperwork after paperwork after paperwork and I have it all and after a year they denied us. One person there told us that they are hurting that they want to take peoples home like mine and make money off of it. Also they told us because we are NOT behind on mortgage they would not help us. I said isn't that good, you don't want people behind. I need help as something is not adding up here. There website said they are here to help people save there home. Well they sent me papers and want me to do a short sale or foreclosure .... Now are they helping at all and I want to know why didn ; t any of my money go towards the loan... It had to. Please help so others do don ; t have to go through the worry of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Paypal Holdings, Inc
State: AL

Complaint narrative:
The following debit appeared on my Paypal account. I did not authorized this payment and completed the proper form to Paypal to return the debit and credit my account. I was denied. There was no authorization by me to pay this debit. You will note that it was paid and actually took me over my credit limit. I do not know how to get an actual account number from Paypal. I sign into Paypal using my email address which is XXXX. 

XXXX XXXX XXXX, XXXX -negative $ XXXX XXXX, 2021 XXXX XXXX You reported a problem with this transaction. See the status of your case in the XXXX XXXX. 
Paid with PayPal XXXX {$49.00} XXXX XXXX XXXX XXXX, XXXX payments Transaction ID XXXX Seller info XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX Invoice ID XXXX Purchase details Premium Premium XXXX - XXXX {$49.00} Total {$49.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2021 I sent dispute letters to each bureau for investigations into inaccuracies on my consumer report. I am writing to the Consumer Financial Protection Bureau seeking help in matters regarding my consumer report. I have sent letters to XXXX, XXXX and Equifax in reference to this false information several times and have not received a response. I have included in my letters to the bureaus that I have concerns and that they are in violation under 15 US code 1681 and 15 US code 1681 ( b ) ( FCRA ). 
I am aware that they each have 30 days to investigate my disputes and report their findings back to me. At this point I am feeling ignored and taken advantage of. In your definitions 1022.41 regulation ( V ), you clearly state what accuracy ( a ) and integrity ( d ) are. I know that there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My right to privacy has been violated. 
I would like for you to investigate these inaccurate and false accounts on my consumer report and have them removed immediately. Please send an updated consumer report upon completion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: MI

Complaint narrative:
I have documents from my mortgage servicer stating I have an escrow shortage, and as a result my house payment will be going up to cover the shortage. It appears my beginning escrow balance was changed by the servicer sometime during the last several months. I have documents from Lakeview Loan Servicing dated XXXX with an escrow surplus of {$7400.00} with an actual escrow balance reported for XX/XX/2021 of {$12000.00}. I also spoke to XXXX/Lakeview Loan Servicing on several occasions during these last few months, and inquired about my escrow surplus. I was informed that since I was in forbearance, I could not get the surplus. This amount was confirmed on several occasions by them. I asked for a review of my escrow account since it was now being reported as Lakeview Loan Servicing is providing me an escrow advance. The numbers are all completely different from what was initially reported, and calls to the servicer just reaffirm this incorrect information. The amount of total disbursements for the year are under my actual starting escrow balance of {$12000.00}, so I'm not sure why there was ever an escrow advance in the first place.

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 2021-12-08 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
XXXX unrecognized hard inquiries appear on my credit repot ( see attached ), from " JPMCB XXXX '' and " XXXX XXXX XXXX '', both on XXXX. I did not apply for any cards or loans in that timeframe. 

I was not able to reach anyone via phone to get more details at either JPMorgan or XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
Earlier this year, my siblings and I received the proceeds from a sale of family property in XXXX. My sister sent me approx. {$15000.00} via wire from XXXX to my Chase Bank checking account on approx. XX/XX/21. I was told that funds would be available in a couple of days and after waiting for several days, the money no longer showed in my account and I was told that an investigation was being done for international money laundering. I was told that once the investigation was finished, the funds would be available to me and that this would take approx. XXXX weeks. All this time, I have received the run-around. At one point, I was told that a check had been mailed to me. After XXXX weeks, OOPS! -- that was a mistake. Then, I was told that the funds were deposited to my account, but my account had been closed due to overdrafts that resulted in my funds not being available. So, I paid the overdraft fees and fines and was told that the funds would be deposited shortly. I was told over and over again, " Be patient, XXXX XXXX '', it's takes time, but be assured, it will happen any day. Well, days have turned to months. Currently, XXXX XXXX XXXX, XXXX of the XXXX, MD branch has been telling me for XXXX weeks that she is trying to get authorization to pay me " in-store '' rather than waiting for whomever to do whatever needs to happen to shake loose my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: EQUIFAX, INC.
State: LA

Complaint narrative:
XXXXXXXX XXXX account was settled a couple of months ago. XXXX, XXXX and Equifax are not showing the correct information on balances, that the account was settled and amount paid, etc. This information needs to be updated to be correct or delete this accounts from the the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XXXX XXXX account was settled a couple of months ago. XXXX, Experian and XXXX are not showing the correct information on balances, that the account was settled and amount paid, etc. This information needs to be updated to be correct or delete this accounts from the the reports.

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 2021-12-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I called XX/XX/2021 to speak to Chase Auto regarding inaccurate information being reported on my auto consumer account. Chase Auto inaccurately attempted to collect debts not owed where payment was not only received on time but also processed and collected from my banking institution prior to sending late payment notifications. I advised two extremely rude and unprofessional representatives ( XXXX XXXX & XXXX XXXX ) of the same who failed to provide sufficient validation that the error and inaccuracies would be rectified. On XX/XX/2021, I received notification from the credit reporting agencies that adverse action had been taken and reported on my credit report. After speaking with another rude and highly unprofessional agent ( XXXX XXXX ) the issue was still not satisfactorily resolved. This kind of treatment is abusive and is a violation of my rights, applicable laws, and contractual agreements. Immediate remedy is requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL

Complaint narrative:
On XXXX XX/XX/2021, I tried to send {$400.00} to my Sister-in-Law in XXXX for XXXX and not only was the transaction revoked, ( after the money was removed from my debit card account and we were told the money was available in XXXX ) but 30 minutes later my account was terminated and I was told by a CSR reading from a script that something mysterious in my profile rubbed them the wrong way. Of course, they refused to talk to me about it. I have an XXXX credit score, own my house outright for 23 years, multicurrency accounts with XXXX, XXXX and XXXX, but my poor SIL doesn't have a bank account. I was able to send her some money using XXXX and, although the experience there was a bit surreal, at least they didn't slam the door in my face and salt the earth behind me like MoneyGram.

Company response to consumer: Closed with explanation