vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-27 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: GA

Complaint narrative:
A bankruptcy appears on my credit report that was not verified. 

I mailed a letter to Transunion on XX/XX/XXXX inquiring about this line item. 

I received a letter from Transunion dated on XX/XX/XXXX indicating that the bankruptcy was mine and verified. 

I mailed another letter to Transunion onXXXX requesting that per FCRA Transunion provide the source - name, address and phone number that verified this information. 

I received a letter from Transunion dated XX/XX/XXXX identifying the USBK Court of XXXX Georgia as the source that verified the information. 

I mailed a letter to Transunion ( certified mail ) on XX/XX/XXXX a copy of a letter received from USBK Court of XXXX Georgia reflecting that they do NOT verify bankruptcies. Therefore, Transunions claim that they verified the bankruptcy with the court per their letter dated XX/XX/XXXX was false and a bankruptcy was unjustly placed on my credit report without going through the proper channels in verifying. 

On XX/XX/XXXX - I contacted Transunion and spoke with XXXX ( ref - XXXX ). He advised that I needed to open yet another dispute online. When I opened the dispute online, it did not allow me to upload documents. A certified letter was mailed to Transunion with a copy of the letter received from the USBK Court of XXXX Georgia. 

On XX/XX/XXXX, I received a letter from Transunion indicating the bankruptcy was verified. Again, it was not verified by the USBK Court of XXXX Georgia that Transunion cited as their source. 

On XX/XX/XXXX, I contacted Transunion by phone and spoke with XXXX - she was unable to assist as she could only read notes in the system. I was transferred to XXXX and then a rude supervisor XXXX. Both XXXX and XXXX indicated a third party verified the information. However, the written letter received from Transunion dated XX/XX/XXXX did not mention a third party. Transunion cited the USBK Court of XXXX Georgia as their source. 

At this time, I know that the bankruptcy reported on my credit report was not verified. The FCRA legislation was enacted to promote the ACCURACY and fairness of consumer information. How can something be deemed accurate if it was not verified as proven?

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 2021-01-27 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: NY

Complaint narrative:
I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyer is getting antsy to sue. This is my last option for the bureaus to remove the false accounts before I take up my lawyer 's offer.

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 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2021-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL

Complaint narrative:
We paid what was owed on account but there was an amount charged of XXXX that I never signed for and it was a fraud from a jewelry story from out of the country as soon as it came on my account I contacted HSBC and they would not do anything and I found out they are not in the United States. I need some help and really advise no one to obtain the HSBC CREDIT CARD please help with this situation as I have no problem with numerous credit cards I have and want to fix this Asap

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a XXXX  credit card with Suntrust. The card did not allow for payments to be made online. The only way to pay the card was by telephone or by placing a check in the mail. I made a payment by telephone and received a letter in the mail informing me the payment did not go through. At the time I made the payment, I was told I did not owe a payment so I just figured I would wait for my next statment in the mail. After, not being able to use the card I call on XX/XX/XXXX and was informed I missed a payment. At this point I decided to payoff the card and close the account. I was unable to make online payments and get accurate information concerning the balance on the card and so I decided to just get rid of the card and close the account. I was given the balance on the account from the suntrust repersentative and gave by bank information over the telephone to pay and close the account. {$5100.00} was withdrawn from my savings account and given to Suntrust. The Suntrust representative closed the credit card account and applied the payment to an account that did not belong to me. I found out the payment was applied to the wrong account when I returned a call from Suntrust. I was told the situtation would be corrected and asked to file a complaint against the employee who applied my payment to an account that did not belong me. A letter was mailed to me from SunTrust on XX/XX/XXXX, stating that the balance was {$5200.00}. On XX/XX/XXXX, I receive a letter from Suntrust stating that the balance due on my card is {$5200.00} and that I have a past due amount of {$70.00}. They still have not correctly applied my payment. I reached out to SunTrust this morning, I'm told that in order to move forward with my call, I must answer two security questions. The first question was, " What is the credit limit on the credit card '' I don't know the answer to that questiong given that I closed the account and not able to look up that information. I was placed on hold and then latter told that a supervisor would call me back. I had given them my EIN number, the name of XX/XX/XXXXXX/XX/XXXX and provided the correct mailing address, but I can't move forward with my call because I don't know the credit limit on a credit card account that closed two weeks ago.

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 2021-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One Platinum credit card. I accidentally paid my account in full XX/XX/XXXX, through the app as i was sleepy. I thought i caught it in time, cancelled it, then paid what i intended to pay. A couple days later XX/XX/XXXX, I realized what had happened and as it was Sunday, I tried to call Capital and my bank to get it resolved as I had paid many bills that day and they would all bounce as I had wiped out my checking account with the payment error- It was a little over {$9000.00}! They said, too bad, the money already left, Capital said - will send check in mail and it will take 3 weeks. I said i'm desperate - I need that money sooner. Capital said OK, we will send it electronically. It will take 10 days instead. I agreed. After 10 days I called Capital as the money was not in my checking account. Capital said - Oh, we can't send it electronic, we sent you a check. I asked why nobody called me to tell me that the plan had changed. Capital said- we don't have that function. OK, fine. I wait the three weeks and there is no check. I call Capital XX/XX/XXXX? not sure of this date, and said, it's been 6 weeks now and I don't have a check and you are charging me interest on money that you have control over. I asked them to stop payment on the check and just put the money back in to my Capital account. Capital said, we can do that. It will take 4 days for the cancel check and then a few to get the money back in to your account. XXXX ( would not give last name ) said I promise you I will follow up with you on XX/XX/XXXX. She never called. I called Capital XX/XX/XXXX, and asked the status and XXXX states that another check was issued XX/XX/XXXX and is in the mail. I said that was not the plan and nobody told me the plan changed. I told her I did not want to wait another 3 weeks for my money. She asked if I wanted to stop payment on that check and have her debit my account. I said that was the plan last week and the plan changed and why is it going to be different this week? She did not have an answer for me. I told her that it has now been 7 weeks since I have tried to get back $ XXXX dollars and that I've been lied to now on numerous occasions. She told me all she can do is stop payment and credit my account and it would take 4 days plus a few, just like XXXX had said. I told her that I had no confidence that this would happen as XXXX had told me the same thing and to add to it, never called when she said she would. XXXX stated she would call me on XX/XX/XXXX. I have no other recourse to get my money back so I am reporting them for delay in processing and lying to me about what was happening with me money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Let me start by saying I have had nothing but problem with this servicing company. This is my second complaint with you agency with this company. 

The servicing company XXXX XXXX issued my a refund of my escrow account once they finally analyzed the account after payoff. They issued a check in the amount of {$3500.00} which I deposited into my saving account on XX/XX/XXXX. On XX/XX/XXXX the check was not cleared a stop payment was placed on check and I was charged {$15.00} by my bank. 

I have made several calls and sent email asking for clarification and reimbursement. I have been told that they do not see where the check was stopped. Therefore, I am asking for your assistance in getting to the bottom of this. I constantly have to struggle with this company with they wrongful doing. 

These funds are needed in order to pay my property taxes. 

Thanks

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-27 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyer is getting antsy to sue. This is my last option for the bureaus to remove the false accounts before I take up my lawyer 's offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I was looked at my credit report and they are showing inaccurate incorrect information when it comes to my name address and date of birth and phone numbers. I tried disputing it on the 3 bureaus website but they blocked me from doing it.

Make sure to update my correct name and update my current address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27 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: NJ

Complaint narrative:
I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyer is getting antsy to sue. This is my last option for the bureaus to remove the false accounts before I take up my lawyer 's offer.

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 2021-01-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a notice that my payment would increase substantially due to an escrow shortage. After a lot of research I found a payment made from escrow for insurance in XX/XX/2020. The amount was more than double what my insurance premium is, and my premium was also paid. After hours on the phone with BB & T they found that they had paid a policy for the previous owners with XXXX. After contacting XXXX, BB & T told me they'd received a bill from them in the previous owners name and it was paid when it should not have been. XXXX had refunded that amount to the previous owners, who then cashed the check. They said they would look in to it, try to obtain reimbursement from XXXX and I should be refunded at an unknown time, at which I could request re-evaluation of my escrow account to lower my monthly payment to normal amount again. I let them know this is not acceptable. This was not my mistake and had nothing to do with me, that they paid someone else with my account and that I expected an immediate refund. They said they would have management call me in 24 hours. I waited 72 and received no call. I called back then, once again stating that I expected an immediate refund. BB & T once again informed me there's nothing they can do and I will just have to wait as long as it takes. I requested to be transferred to someone in management, at which point the line was disconnected.

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 2021-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There is several inquires actually 21 on my Experian report all in which 3 were made by me. I just got off the phone with XXXX in disputes department and she was very rude and did not want to do her job. She told me that I can validate all these inquires myself that its not her job. My report states due to fraud a couple months back it states i am a victim of fraud and to contact me before proceeding. That has not ever happened. Not to mention I pay monthly off my credit card for this monitoring service of they offer.. I also have 2 accounts that have never been validated to me for a year now and they keep responding meets FCRA requirements. MUST NOT IF YOU CANT PROVIDE DETAILS to me.. Bottom line if you don't want to do your job then stay home!!! My report is locked but i get 21 inquires REALLY!! I cant describe the way this XXXX has changed my whole out look on this company I pay monthly to help keep my information safe and make sure things are reported correctly. These people do not understand the importance of the job must be these reports run our lives and differs comfort or struggle ...

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 2021-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL

Complaint narrative:
This bill was for a hospital stay at XXXX XXXX XXXX XXXX XXXX in 2019, but my insurance has paid this invoice to the originating company. A separate company called ARS then began calling me 2 days after the hospital stay in XXXX had ended requesting further payment for a medical debt. My insurance information was then provided again, and my insurance was notified. The company ARS continued to call me several times and then began to interrupt me and not allow me to speak during calls. One representative named XXXX also told me that it didnt matter what insurance I had, I owed them and I was going to have to pay them or they would add it on my credit. I then told them not to contact me, but I was still later contacted both by phone and by mail. My insurance has paid all necessary funds to both the hospital and all adjusters involved, and has provided receipts to this company but it has not been removed from my credit and they refuse to receive any information except a check.

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 2021-01-27 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: FL

Complaint narrative:
I would like to file a formal complaint against Transunion, XXXX  and XXXX  for FAILURE TO INVESTIGATE OR REINVESTIGATE multiple inaccuracies on my credit file. 

These credit bureaus are in violation of FCRA because they 1. Willfully and recklessly reporting false information after being notified of the error and failing to investigate or correct the error. 

2. Failure to respond to a dispute within 30 days 3. Failing to provide the method of verification. Including the real name, address, and phone number of the furnisher within 15 days of your request.

4. Failing to notate that an item on your credit report is under dispute after a creditor or debt collector has reported the dispute.

5. Failure to provide all relevant info ( sign contracts, etc ) In XXXX I contacted several collection agency 's including XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, and XXXX  XXXX  requesting to validate the alleged debt. These collection agency 's never responded to my request. 

In XX/XX/XXXX I contacted Transunion, XXXX, and XXXX  requesting an investigation in which the results returned as verified and met FCRA standards. How is this possible if the collection agencies never responded to my dispute request? They also never even notified the collection agencies that I was disputing the debt. 

In XX/XX/XXXX I sent a follow up request asking that the accounts be verified, which grants them 15 days and they never responded in the allowed time frame as well. They continued to report the accounts were verified. 

In XX/XX/XXXX I sent a third request again asking to have these inaccurate accounts, removed and updated. My request has once again been ignored. 

THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER. 

TRANSUNION, XXXX  AND XXXX  HAVE ALL FAILED TO CONDUCT PROPER INVESTIGATIONS AND DELETE THESE INACCURATE ACCOUNTS!!

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 2021-01-27 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
i have a fraud account on my chex systems  report from XXXX  XXXX XXXX and i want it removed and blocked from reporting under the FCRA and chex systems  is refusing i have an id theft report from the ftc and police report i sent 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