vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-05 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: TX

Complaint narrative:
REPORTING FTC VIOLATIONS ATTACHED AND ENCLOSED IN THIS DISPUTE : XXXX XXXX is urging the FTC to investigate XXXX over concerns that it played a role in the massive XXXX  XXXX data breach that affected 100 million people Sens. XXXX XXXX ( D-Mass. ) and XXXX XXXX ( D-Ore. ) urged the Federal Trade Commission ( FTC ) on  Thursday to investigate whether XXXX  failure to secure its servers, which resulted in a breach that exposed the personal data of 100 million Americans, was a violation of federal law. 

XXXX and XXXX wrote in a letter to FTC Chairman XXXX XXXX on Thursday that XXXX knew, or should have known that their XXXX XXXX XXXX ( XXXX ) cloud server, which the company rented to XXXX XXXX to store data, was vulnerable to cyberattacks. 

The massive data breach was revealed in XXXX when XXXX XXXX announced that an individual was able to gain access to the data of both credit card customers and those who had applied for credit cards. The data of 6 million XXXX  was also included in the breach, with some Social Security and credit card numbers among the compromised data.

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 2020-05-05 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: TX

Complaint narrative:
REPORTING FTC VIOLATIONS ATTACHED AND ENCLOSED IN THIS DISPUTE : XXXX XXXX is urging the FTC to investigate XXXX over concerns that it played a role in the massive XXXX  XXXX data breach that affected 100 million people Sens. XXXX XXXX ( D-Mass. ) and XXXX XXXX ( D-Ore. ) urged the Federal Trade Commission ( FTC ) on  Thursday to investigate whether XXXX  failure to secure its servers, which resulted in a breach that exposed the personal data of 100 million Americans, was a violation of federal law. 

XXXX and XXXX wrote in a letter to FTC Chairman   XXXX XXXX on Thursday that XXXX knew, or should have known that their XXXX XXXX XXXX ( XXXX  ) cloud server, which the company rented to XXXX XXXX to store data, was vulnerable to cyberattacks. 

The massive data breach was revealed in XXXX when XXXX XXXX announced that an individual was able to gain access to the data of both credit card customers and those who had applied for credit cards. The data of 6 million XXXX  was also included in the breach, with some Social Security and credit card numbers among the compromised data.

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 2020-05-05 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: NC

Complaint narrative:
I found several errors on my credit reports and sent an initial dispute to all 3 bureaus on XXXX XX/XX/XXXX to investigate the following accounts that were inaccurate : XXXX XXXX in the amount of {$1400.00}, XXXX XXXX XXXX in the amount of {$1900.00}, XXXX XXXX XXXX in the amount of {$880.00} and XXXX XXXXs in the amount of {$670.00}. After my initial dispute, XXXX XXXX XXXX and XX/XX/XXXXXXXX were both deleted from all 3 reports. 

I sent a second and third round of letters to all three bureaus in XXXX and XXXX requesting a validation of the two remaining accounts, XXXX XXXX   which is a credit card debt and XXXX XXXX XXXX which is a medical debt. I asked for a re-investigation and requested to be given any documentation that shows how the balances were achieved and any documentation with my signature that they have on file that was sent from the original creditor. All 3 bureaus have failed to provide me with any documentation as requested. It's clear that they don't have any as required by law. Transunion and XXXX  have also failed to explain their process of investigation or how the accounts were verified as I requested. None of them have sent me anything other than the results of the investigation. 

The XXXX  XXXX debt in the amount of {$1400.00} was sold to another company, XXXX XXXX. Not only was this debt added back to my credit reports without the bureaus notifying me within the required 5 days ( or at all ) but the account was also re-aged by two years, which is illegal. They didn't provide me with documentation for a validation of this debt as I requested either. This was an unlawful re-insertion and they have failed to delete this account again as requested. 

I reached out to XXXX XXXX on XXXX XX/XX/XXXX, which is a medical debt requesting documentation that they have on file in order to validate this debt. They sent me information about my hospital visit but the document was printed from their computer and it didn't include a HIPPA release form which is a clear HIPPA violation. They do not have my permission to maintain my personal health information in their company database. The company and bureaus have refused to delete this account even after the HIPPA violation and I plan to pursue this issue further in court if this item is not deleted from my credit report immediately. 

***All letters were sent certified mail so that I could verify that the bureaus received my requests and I have documentation of all of the interactions that I've had with them if needed in the future.

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 2020-05-05 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: NC

Complaint narrative:
I found several errors on my credit reports and sent an initial dispute to all 3 bureaus on XXXX XX/XX/XXXX to investigate the following accounts that were inaccurate : XXXX XXXX in the amount of {$1400.00}, XXXX XXXX XXXX in the amount of {$1900.00}, XXXX XXXX XXXX in the amount of {$880.00} and XXXX XXXX in the amount of {$670.00}. After my initial dispute, XXXX XXXX XXXX and XXXX  XXXX were both deleted from all 3 reports. 

I sent a second and third round of letters to all three bureaus in XXXX and XXXX requesting a validation of the two remaining accounts, XXXX XXXX   which is a credit card debt and XXXX XXXX XXXX which is a medical debt. I asked for a re-investigation and requested to be given any documentation that shows how the balances were achieved and any documentation with my signature that they have on file that was sent from the original creditor. All 3 bureaus have failed to provide me with any documentation as requested. It's clear that they don't have any as required by law. XXXX  and Equifax have also failed to explain their process of investigation or how the accounts were verified as I requested. None of them have sent me anything other than the results of the investigation. 

The XXXX  XXXX debt in the amount of {$1400.00} was sold to another company, XXXX XXXX. Not only was this debt added back to my credit reports without the bureaus notifying me within the required 5 days ( or at all ) but the account was also re-aged by two years, which is illegal. They didn't provide me with documentation for a validation of this debt as I requested either. This was an unlawful re-insertion and they have failed to delete this account again as requested. 

I reached out to XXXX XXXX on XXXX XX/XX/XXXX, which is a medical debt requesting documentation that they have on file in order to validate this debt. They sent me information about my hospital visit but the document was printed from their computer and it didn't include a HIPPA release form which is a clear HIPPA violation. They do not have my permission to maintain my personal health information in their company database. The company and bureaus have refused to delete this account even after the HIPPA violation and I plan to pursue this issue further in court if this item is not deleted from my credit report immediately. 

***All letters were sent certified mail so that I could verify that the bureaus received my requests and I have documentation of all of the interactions that I've had with them if needed in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
Acct number XXXX XXXX XXXX Usaa Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, Texas XXXX They robbed me charging me the full amount of insurance owed as if I should pay the full amount for the months ahead after I stopped paying them for the service. I should not be accountable for future insurance service that has been canceled. I want the debt exponged and paid in full receipt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: MI

Complaint narrative:
Experian Agency doesnt have any investigation personnel. Experian only ask the furnisher to Update the dispute or remove the item. So most furnishers push update. Why not Experian does not regulate them. 
My issue is Experian let a debtor name XXXX XXXX enter an account for a credit card for XXXX XXXX that has a 1 month term and no late payment history and open XX/XX/XXXX then closed XX/XX/XXXX that will remain on credit report until XXXX. 
This is a Scam. XXXX XXXX is just telling Experian that they will pay them extra money to over look this item to not follow the law by not presenting a payment history, closed in what status Good never been late and the terms for the credit card says 1 month. Who has an 1 month term credit card from XXXX XXXX  as listed on my credit report and the beginning amount of the credit card is not listed? By Experian not having an investigation personnel for Debtor entering items on credit report the Debtor just pay Experian and they will place any thing on Creditor report. Experian took 20 points off my credit score and will not return them. 
I never open an account with XXXX XXXX  XX/XX/XXXX. XXXX, When an account is late- closed it takes 6-9 months before the Original creditor to close an account. Experian did not check dates. XXXX XXXX owes me money under the FCA and FCRA {$1000.00} Experian did this damage to my credit score it is your fault for not reading the documents Debtors send contracts that has no late payment history, 1 month term credit card by XXXX XXXX  stay on credit report until XXXX ( 5 years ) not Experian rule 7 year rule. Original Creditor does not list how many days late with a date of last payment and reason why closed also not following Public Act 6-9 month rule closing late payment accounts. This is why we have Identity theft because of Credit Reporting Agency. 
Document sent 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 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
i a not mad at chase cant get thru sent a letter and emailed on my card ending XXXX there is a charge from XXXX  for something i did not get. i never received XXXX insists they sent it i never got it charge is for XXXX i believe i need it disputed and investigated please. asap

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: Remitly, Inc.
State: GA

Complaint narrative:
I am a user of Remitly a merchant enable people to international money transfer. Today XX/XX/2020 someone hacked to my Remitly account and made a transfer of {$1600.00}. 

The fraudster also used my debit card details to make the transfer. 

It is clearly a case of fraudster getting access to peoples account and robbing them. 

There is no security feature Remitly is following to check if the transfer is happening and customer is authorizing it. 

When contacted Remitly they simply denied that they can not do anything and gave me the transaction details.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Date : XX/XX/20 Amount : {$1300.00} On XX/XX/20, there was an unauthorized transaction made on my checking account ending ( XXXX ). On that date around XXXX, I received a call from this number, XXXX. It was an automated voice system from Bank of America saying : Your authorization code is. I did not remember nor paid attention to the code, because I did not request any authorization code from BOA. I was curious about the call and immediately checked my bank online account and was shocked with the amount of {$1300.00} being transferred to an unknown email. It was a XXXX transfer. At the same time, I called BOA at this number, XXXX, to report this suspicious activity that I did not authorize. I spoke with an agent and he was able to assist me to file a claim. I was told to wait 10 business days for the decision. I called again on XX/XX/20 to check my claim status. I was told the claim was denied because the authorization code is being used. I am certain that I did not give any code to anyone. I strongly believe that somehow my account has been hacked. Also, I was informed that if I would like BOA to reconsider the decision, I could contact my mobile service and get a report call log from them on XX/XX/20.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Lendmark Financial Services
State: WI

Complaint narrative:
This is about LENDMARK FINANCIAL in XXXX, California This is the 2nd time this company lied and went back on what they told me. The first time is when I got the loan, XXXX told me after 1 year, I could refinance. I made my payments on time ( even paid before the due date ) and 1 year later when I wanted to refinance, he told me they don't refinance. Now, the household has been affected by covid, and XXXX said they are giving their CUSTOMERS relief by refinancing the loans and first payment not due until XXXX. She also stated that she needed a correct number to send a text to for a link to sign documents. She said I wouldn't need to submit anything else, and she'd call me back in half hour to 40 minutes. I ended up calling back an hour and a half later, at this time she told me she couldn't do it because i would have to come into the office to sign papers, i reminded her she said they could be done online like she stated about a link sent in text, then asked what if we came into the office. She then said because we don't live there, their company won't do it. She then said she could send me the papers via email to sign for a deferment, when asked if it will affect us, she said it wouldn't, it would just show a late payment on our credit. Which affects us! I reminded her I AM a customer, and this virus is Nationwide, I was sent the deferment by email, I already called the main office, am told up to 5 days for someone to contact me, the loan is due today! They sent documents via email, there's no reason they can not do the refinance online as XXXX said they could initially. I AM a customer, I have paid my car note for almost 2 years now! Never being late! We are affected by covid 19! We do not want a late payment on our credit! I want this taken care of today and refinance the loan with no payment due until XXXX as told by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 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: NY

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2020-05-05 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
On XX/XX/XXXX, I received an email notification from XXXX  stating that Hyundai Motor Finance has posted a " Charged-Off '' account of {$16000.00} against my credit score. This resulted in -58 points from my overall credit score. I haven't owned a Hyundai vehicle since 2016 and it has been fully paid off by XXXX. I tried contacting Hyundai 's finance department and customer service department and it's impossible to get a hold of anyone. The automated message system states, The line is unusually busy. Please try again next time, '' and just automatically disconnects the call. 

In addition to filing a complaint with Consumer Financial Protection Bureau, I've already contacted XXXX, the Attorney General of Texas, and the Attorney General of California 's office to lay out the necessary steps to dispute this false claim and to make sure the public is aware of the distasteful unethical business practices by Hyundai during this ( COVID-19 ) unprecedented time. 

Additionally, Id like to mention that the name appearing on the attached document, XXXX XXXX XXXX, is my father who had co-signed the Hyundai Vehicle at the time of purchase.

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 2020-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Amcap Investments, LLC
State: TX

Complaint narrative:
My husband and I are currently in a right to purchase agreement with our landlord, and we wanted to buy the home from them. We decided to apply for a mortgage loan in the Early part of XXXX with Gold Financial Services. We did application process and we were pre approved for a loan. We sent the necessary paperwork over, and began the process. After careful review of the paperwork, we decided to use my credit score and information for a better rate etc.. The loan officer at that time told us that FHA was the only loan that I qualified for without the use of my husband ( XXXX and his CPA was still working on his taxes ). USDA was out because of income. He never mentioned a conventional loan or any other types of loans to us. I asked him did student loans count and was told NO. My husband was present. I was not made aware that with FHA your student loans had to be 1 % of the payment to qualify. I found out at the very last minute after I had to jump through many hoops and produce letters many times a couple days before closing at end of XXXX. I have text messages from the loan officer telling me at the last minute about the FHA loan policy and then he advised me to sell my car to my husband to reduce my income to debt ratio a couple days before closing. These unforeseen circumstances caused my family and me financial hardship. We are now having to pay a higher rent fee because we missed to the deadline to move out of our current home. The loan officer and branch manager breached their fiduciary duties.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I logged on the Chase to pay my credit card on XX/XX/XXXX and I saw my balance was huge. I called right away and told them that all the charges from Arkansas were not mine. The person on the phone did the dispute, cancelled my card, and ordered me a new card. I waited and logged into my account on XX/XX/XXXX and the charges reappeared so I called them again. The girl on the phone disputed the charges again. In the meantime, on XXXX. XXXX, I received a letter stating that I received benefit form the charges or I told them I made the charge, which I did not. I called again, the girl was rude and told me there was no way someone could use my card because it has a chip. They requested I send something showing them that I was at work on those days. I got my time sheets to send them. I emailed my time sheets to XXXX XXXX XXXX on XX/XX/XXXX after going back and forth with them for several months. I logged into my credit account some time in XXXX and saw that my address was inquired in XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX, AR XXXX, so I contacted the FTC and filed an identity theft report. They had me to send another letter. I sent them another letter with all statements highlighted and I sent it certified mail. The results of that was to contact your office because they still will not remove the charges from my account. I emailed them on XX/XX/XXXX to tell that I was not paying my payment because my account is so confused and the minimum due was way more than I should have paid. I got a phone call from a gentleman saying he was going to dispute the charges again for me. To date the items are still showing on my account.

Company response to consumer: Closed with explanation