vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-28 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2021-12-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MT

Complaint narrative:
I leased a XXXX  Toyota XXXX through Toyota Financial Services in XXXX of 2021. The vehicle was then garaged in Washington. We then transferred the car to our home in Montana ( XXXX XXXX XXXX XXXX, XXXX, MT XXXX ), where is has always been garaged. I am a Texas resident. I licensed the truck in Texas as an out-of-state vehicle, which Texas allows. Texas did not require inspection because the truck was always to remain outside of Texas. I was instructed by Toyota to fill out Lessee 's Affidavit for Motor Vehicle Use Other Than Production of Income. I did so, had it notarized, uploaded an electronic copy into Toyota 's account system, and mailed in a copy to Toyota. Toyota then responded by sending me another copy of the Affidavit to fill out and return. At the bottom of their attached letter, it told me to call them if this vehicle was garaged out of state. I've tried twice now to do this AGAIN and their call wait times are in the hours. I hate to submit this complaint for this reason, but even if I did wait hours to speak to somebody about something I've addressed numerous times with them, the person I reach would not be able to assist me ( as I learned on previous calls ) and would have no clue what I was talking about. I wish you could nudge TFS to provide better customer service. I have had many, many vehicles from them and their customer service has been on a continuous downhill slide. I'm pretty sure this will be my last Toyota for this reason alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: DC

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mountain Run Solutions, LLC
State: CA

Complaint narrative:
I reported this debt in XX/XX/XXXX when XXXX XXXX tried to collect on it and put this on my credit report. Complaint # XXXX. Now XXXX sold the debt to a collection agency, Mountain Run Solutions, who is now trying to collect on the same debt and threatening to put something on my credit report that is not mine. 

Here is my complaint again : In XXXX, XXXX, my husband contracted with XXXX through this XXXX XXXX for home monitoring alarm system. I was never party to this contract which by the way was for 60 payments from XX/XX/XXXX, was paid on time through the contract term and was on month to month after the end of the 60 months. My husband called them in XX/XX/XXXX and told them effective XXXX, he did not want to continue on month to month. They told him he had to sign something stating that he no longer wanted the services and they sent him something over electronically to sign stating this which he did twice after they claimed they did not receive it. The contract is over but they felt they had a right to continue to bill and a verbal was not enough. I never gave my social security number or gave any verbal agreement to be on this contract from the beginning. The signature or initials are not mine. I was not home the day this was done. This was entirely in my husband 's name. I called the company on XX/XX/XXXX when I discovered this was on my transunion credit report and they in fact told me this should have never been put on my report, that it was my husband who they put in collection on XX/XX/XXXX. I was not on the agreement. In fact, they offered to send a copy of the agreement which I am attaching. So how did they even get my ssn to place this? It's not on this agreement either. I repeat, this is very upsetting. To put something on someone's credit and then call it a utility company Resolution is that # 1, this is not my debt and take me off the collection. 
Resolution # 2, provide proof of payment history showing what was paid by my husband and when it became delinquent by him. 
Just sending a copy of a contract does not validate the debt being past due with no payment history. or proof of when it became delinquent. 

Also, is there something in the orignal debt that gives them the right to sell this debt to a collection agency? The original 60 month contract was fulfilled.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: NY

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I have submitted multiple requests with TRUIST ( formerly BBT and Sun Trust ) to get a lien release on a property I am trying to sell and there exists a VERY old lien that was paid off in XXXX. The former lender was XXXX XXXX Bank which was acquired by BBT in XXXX or XXXX depending on the source. Myself and the title company for the buyers have submitted multiple requests by email with all the facts. We have made numerous phone calls only to be told that we need to submit another email. I finally spoke to a supervisor in the mortgage department who says he submitted an expedite request but my last communication with him indicated that the lien release department was not responding to him either. The first request was submitted by the title company on XXXX XX/XX/XXXX and I submitted a written request on XXXX XX/XX/XXXX. Their application process says 10 business days. We have far exceeded 10 business days. I continue to call as does the title company rep who submitted the first request. We have had to postpone 3 closings and the delays are costing me to extend the buyers loan lock.

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 2021-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: TX

Complaint narrative:
Shellpoint has not addressed providing fraudulent documents to XXXX XXXX. 

XXXX XXXX said that CFPB has a role in responding to this unethical and illegal behavior. 

In complaint number XXXX, Shellpoint summarizes my complaint and includes the buzz words like we have detected you wrote about this issue before to try and get consumer financial protection bureau to close the case. 

But, they did not address the underlying facts and they will not because they did it. So, unless CFPB actually looks, they will keep summarizing and saying nothing. 

I attached the email trials with XXXX XXXX included to document the truth of what I am saying and XXXX XXXXXXXX XXXX  attempt to do like Shellpoint always does restate the obvious without dealing with the actual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I bought a car on XX/XX/17, and they sent me a XXXX XXXX card. I used the card for about a year and noticed the card kept going up they had signed me up for a card security plan. I tried calling but never got a response that made any sense. I finally requested a payment history, and when I talked to someone over there they refunded me XXXX but they did not refund the interest from 2017 until the present. I want the interest refunded, and they should be reprimanded for signing people up without them knowing. In a lot of places, they would call that forgery.

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 2021-12-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: DE

Complaint narrative:
On XX/XX/2021, I was contacted by Sunrise Credit Services , Inc. regarding a fraudulent AT & T account that was re-opened without my knowledge or consent. In XXXX or XXXX of 2021, the mailing address was changed and the person ordered an XXXX XXXX and had it delivered to their house. The amounts owed were never collected from this person and, of course, it defaulted to me. Sunrise Credit Services eventually took over the debt from XXXX XXXX XXXX. Upon taking their call on XX/XX/XXXX, I then went to my local XXXX XXXX XXXX store to inquire about this account. I was notified that, indeed, someone had re-opened my account and charged {$1100.00} to the account for the phone and service. When I reached back to Sunrise Credit Services, I was told that a fraud packet would be mailed to me and my account would be on a " 30 day hold '' while their fraud department investigated. That was on XX/XX/XXXX. It is now XX/XX/XXXX and I have still not received the fraud packet. Attempts to contact Sunrise Credit have met with consternation and vague answers to my questions. No one there has been able to explain why I have yet to receive the fraud packet and all conversations with supervisors have been fruitless. No one is ever able to connect me to anyone in their fraud department. Email versions of the fraud packet, apparently, do not exist in this company as they have not been able to provide me with one of those either. When I ask to speak to someone directly in their fraud department, I am consistently told that this was not possible. I feel like I have been scammed by this company, which now has my name, address and SS #. Any further attempts to reach out to Sunrise Credit Services have left me on hold for long periods of time or the supervisor had been " too busy '' to speak with me. I have also filed a police report for ID theft with the DE State Police ( complaint # XXXX ) and I have also contacted the XXXX  regarding Sunrise Credit Services ( complaint # XXXX ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-12-28 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2021-12-28 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: CA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown items notated on my credit report. As of today, approximately 50 days later, I have not received a response. I feel like I am being taken advantage of, my disputes are being ignored and my rights are being violated. In Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days gives a legitimate reason to immediately remove those items from my credit report. It has actually been well over 50 days ; therefore, those items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress and mental anguish caused. My information was also impacted by the Equifax data breach and may have found its way into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: IL

Complaint narrative:
On ( XX/XX/21 ) I sent a letter seeking validation of a debt to ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX Account # XXXX ) Its been ( 30 days ) and I havent received a response. Being that it has been well over ( 45 days ) I have sent a letter to XXXX, Transunion, and XXXX requesting that they immediately remove this from my credit report due to this debt, I am not aware of, not being verified. 
I have yet to hear a response from any one. Due to my own personal research I have notice that my rights as a consumer have been violated and I feel like I am being directly ignored and taken advantage of. According to consumer laws, if this account can not be verified, it must be removed by the credit reporting agencies. 
Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-28 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2021-12-28 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I transacted with merchant ( XXXX XXXX ) for {$1000.00} on XX/XX/2021. The merchant was unable to fulfill service and promised a refund of {$94.00}. After calling and e-mailing the merchant and receiving no response I opened a dispute with Barclays for my Jetblue Card which was used for the transaction. 

The merchant contacted me and offered to send a check but asked that I close the dispute. I did not want to close the dispute prior to a formal resolution for fear that the merchant would not fulfill the refund. Barclays subsequently closed the dispute although I informed them that I rather the refund be issued to the original payment method which was my card product. After the closure the merchant failed to issue the refund of {$94.00}. 

I contacted Barclays and informed them and asked for the dispute to be reopened. It is now XXXX and I had to contact Barclay for an update to the status of my dispute. They once again closed the dispute simply because the merchant told them I declined the refund and that they had attempted to contact me. They did not validate these claims with me; had they contacted me they would know that the merchant has not reached out to me, nor have I formally decline any refund with the merchant. 

As of XX/XX/2021 I contacted Barclay 's twice regarding this dispute and both times the agent hung up on me. I have received NO call back. This is obscene. After the first closure, Jetblue reversed the chargeback which required me to make payment on a disputed transaction or risk impact to my credit history. I have provided sufficient documentation that shows I initially acquiesced to the merchants offer to refund me via check ; however, I believe 3-months for the issues of a check is unheard of. Additionally, Jetblue has required no substantiating proof from the merchant that they have issued and/or intend to issue the check. They have informed me it is now my responsibility to contact the merchant.

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