vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-06 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: TX

Complaint narrative:
On XX/XX/2021 I decided to pay a collection account from XXXX XXXX, but the company claims that I still owe them money, so I proceeded to mail the credit bureaus a letter letting them know that the debt was paid, including a copy of the receipt. On XX/XX/2021 I sent follow-up letters because the credit bureaus were still not responding. By today XX/XX/2021 the credit bureaus have not responded has not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: TN

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 Credit Reports : Late Closed : XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX  : {$0.00} XXXX XXXX XXXX : {$0.00} Collection : XXXX ( Original XXXX : XXXX XXXX ) XXXX XXXX  : {$2800.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX  : {$2500.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX  ) XXXX XXXX  : {$250.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX XXXX  : {$190.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX {$590.00} XXXX XXXX XXXX  XXXX XXXX  : {$9200.00} XXXX  XXXX XXXX XXXX XXXX {$2800.00}

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 2021-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2021-12-06 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: TX

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

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 2021-12-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I dont recognize any of this inquiry and I didnt authorize to pull my credited Because of that I activated a fraud alert in my report -XXXX XXXXXXXX XXXX Inquiry date XX/XX/XXXX -XXXX  XXXX XXXX XXXX  Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry XXXX XX/XX/XXXX XXXX XXXX Inquiry date XXXX XXXX - XXXX XXXX  Inquiry date XX/XX/XXXX - XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX  Inquiry date : XXXX XXXX -XXXX XXXX XXXX Inquiry XXXX : XX/XX/XXXX -XXXXXXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX - XXXX XXXX XXXX XXXX Inquiry date : XXXX XXXX XXXX Inquiry date XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
-- On XX/XX/2021, loan Servicer, Select Portfolio Serving Inc ( " SPS '' ), stated that property has been sold based on Loss Mitigation application submitted by Borrower on XX/XX/2021 while not responding to subsequent loss mitigation applications submitted by Borrower. The timeline used for the sale as stated by SPS is based on Loss Mitigation application received by Servicer in XX/XX/2021 while Borrower has submitted Loss Mitigation application on XX/XX/2021. Servicer has failed to process loss mitigation application from XX/XX/2021 and Borrower resubmitted loss mitigation application on XX/XX/2021 within the 30 day appeal window that was to end on XX/XX/2021. Servicer failed to process documentation submitted by Borrower and proceeded with foreclosure in violation of dual tracking laws and in violation of foreclosure procedures.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: La Casa Bonita Investments
State: NJ

Complaint narrative:
In XX/XX/XXXX, I came across a loan consolidation company called 1file.org. After they agreed to pay off my loan, I gave them an upfront fee of {$600.00} and paid them {$39.00} per month the first year. For the subsequent years, I paid the {$600.00} annual fee, and they reassessed my monthly payments each year through XXXX. The monthly fee increased to {$170.00} throughout those years. I was told that they paid off my student loan, and I would only do business with them. During the pandemic, I tried to contact them regarding my payments, because my work hours were cut because of the pandemic. I discovered that their website and phone numbers were out of service. Recently, I began receiving emails from my old loan servicing company regarding my federal student loan which 1file.org insured me that they paid off and consolidated this loan. After researching the company 1file.org, I discovered the following article. https : //www.ftc.gov/news-events/press-releases/2019/11/ftc-stops-student-loan-debt-relief-scheme-allegedly-bilked Unfortunately, I have been scammed by this company that stole thousands of dollars from me. How do I pay my late fees and interest on this loan? If possible, I would like this loan to be forgiven. I have many emails dating back to XXXX regarding my payments to this company.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Chrysalis Holdings LLC
State: GA

Complaint narrative:
I Refinanced with new day usa this year. In XXXX i was removed fron new day to a company named XXXX  XXXX i called new day on XX/XX/XXXX to find out where my XX/XX/XXXX payment and was told i was no longer with new day usa. they gave me a number to call for XXXX  XXXX. I called the numberi was given XXXX and was told i would have to wait 30-60 DAYS AND HUNG UP.i HAVE MISSED MY XX/XX/XXXX PAYMENT. I have heard nothing from this new company. I have no idea what has happened to my payments made to new day or my escrow account for my taxes or home insurance. This is no way for vetrans to be treated on there home loans .I have not heard any thing from these companies. thank you

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 2021-12-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I hired XXXX XXXX, marketing company to help me with my lead generation for my business. I signed the agreement where I was promised that XXXX XXXX will build direct to consumer funnel for me and will explain how to use it. After watching the initial video provided i have realized that XXXX XXXX is not the service That I need and it doesn't match the description of what was sold to me. I promptly canceled the service. The merchant didn't refund the funds back, instead they charged me another monthly fee. I called my XXXX  and told them that I am victim of the fraud, they denied my claim and told me I need to dispute. After providing my evidence I was told that I have signed the agreement that does not allow charge backs. I never received any services from XXXX XXXX and XXXX cant get a hold of them. So now I am out of {$2500.00} because XXXX  denied my dispute and I cant get a hold of the merchant as well. Please help me to resolve.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received my Citi credit card in XX/XX/2021, and have been using it successfully since. I was traveling in XX/XX/2021, and had planned to use it as my primary card. I provided Citi with appropriate travel notices and any large purchase notices. However, Citi has blocked the card, and is not offering any solutions to unblock it. I have contacted Citi multiple times pertaining to this request and have gotten conflicting information. 
I learned about the card block on XX/XX/2021. 
1. When I contacted them on XX/XX/2021 around XXXX pm, the customer rep did not provide any information and instead told me that they have mailed a letter. They did not disclose the information in the letter. When I told them that I was traveling, they took down my temporary address. 
2. I did not receive any letters until XX/XX/XXXX and contacted them again around XXXX am. This time, the rep said that there are no potential fraud blocks and they have cleared out any blocks. However, when asked to verify again, they said something about social security verification and that the block would remain until that is complete. I told them again that I am traveling so can not receive a letter and if they can send it to a temporary address. This time, they told me that they can not do so, which conflicted with the information I had received previously. Despite asking multiple times, they also failed to provide any information about what this verification meant and why it was sent to us 4 months after obtaining the card, and precisely at a time when I had submitted travel notices to Citi. They also failed to provide any resolution to unblocking the card while I am traveling. 

As a result, Citi is not upholding its contractual obligation to provide us uninterrupted use of their credit card and I request reimbursement of all financial losses and fees incurred as a result of their breach of contract. Additionally, I would like to request Citi to review how they block and unblock their cards, change their policies to be consistent, and train their representatives to provide correct and complete information.

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 2021-12-06 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: PA

Complaint narrative:
I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I SENT A DISPUTE LETTER TO EXPERIAN ON XX/XX/XXXX TO REMOVE THE INNACURATE INFORMATION ON MY CREDIT REPORT. I HAS BEEN A MONTH. I NEVER RECEIVED UPDATE INFORMATION FROM EXPERIAN. 
THIS IS A VIOLATION OF THE FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06 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: 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 Equifax 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 Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
Complaint against Associate Bank, XXXX XXXX, WI XXXX Failure of Associated to stop the fraud, when they had the opportunity. 
On XX/XX/XXXX I determined that our computer had been hacked and we were victims of a scam. I called the bank to have our accounts frozen. At that time, I was informed that on XX/XX/XXXX two attempts using XXXX XXXX were denied but a third attempt of {$860.00} was successful. I filed a report with the XXXX XXXX police and a copy was eventually sent to the fraud division of Associated. On XX/XX/XXXX I filed an unauthorized transaction claim. On XX/XX/XXXX, I received a letter stating the bank was reviewing the dispute ( Case # XXXX ). I was never contacted for more information. Repeated meetings with bank personnel were unproductive. Letter dated XX/XX/XXXX stated the bank determined the transaction was valid and they would not be refunding my money due to fact that the XXXX XXXX was an authorized transaction using our cell phone, email and IP address. The question is why on XXXX. a money transfer was denied and at XXXX. was also denied. On XXXX. a withdrawl for {$860.00} was successful. I received no calls from Associated questioning these transactions. Note ; the primary phone number for this account is not my cell phone but a land line. The bank has never addressed these questions. 
I also have a complaint with lack of communication from Associated. The Minnesota Department of Revenue sent a check on XX/XX/XXXX and was deposited to the frozen account on XX/XX/XXXX to which I had no access. Only after checking with the state on XX/XX/XXXX did I find out where the money had been sent. The bank never notified me of the deposit and when I went to the bank, the teller told me I could have gone online which was impossible as the account was frozen. She then had to get someone to override the freeze to access my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06 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: MO

Complaint narrative:
I paid my monthly student loan payment to XXXX on XX/XX/21. I paid {$120.00} monthly payment balance us postal service receipt number XXXX. XXXX has marked my credit as missed payment after making my payment. I also sent a copy of my payment to transunion.

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 2021-12-06 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: CA

Complaint narrative:
There are accounts on my credit report that should not be reporting. I already sent a letter and request to remove these accounts but was ignored. This is affecting my financial character badly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06 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: CA

Complaint narrative:
There are accounts on my credit report that should not be reporting. I already sent a letter and request to remove these accounts but was ignored. This is affecting my financial character badly.

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 2021-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-06 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. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief