vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-20 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: MI

Complaint narrative:
Account is supposed to be deleted Debt is not own, or mine Account was deleted then came back

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 2021-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: HSBC NORTH AMERICA HOLDINGS INC.

Complaint narrative:
I initiated the transaction on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX which is intended to send to HSBC XXXX XXXX, but it was accidentally sent out with the wrong swift code " XXXX ''. The problem was quickly identified, and the transaction was halted. The money is currently holding at XXXX XXXX HSBC USA for more than 30 days. I have provided an amendment to reroute the money back to HSBC XXXX, and it was also confirmed by HSBC USA, that the wrong transaction has been canceled The fund bank XXXX XXXX XXXX  XXXX XXXX has also sent several follow-ups and chasers to HSBC USA, but there haven't been any moves.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: PA

Complaint narrative:
XXXX XXXX account number XXXX opened XXXX FTC filed this is not my account nor obligation 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f

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 2021-06-20 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: PA

Complaint narrative:
XXXX XXXX account number XXXX opened XXXX FTC filed this is not my account nor obligation 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all .This is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f

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 2021-06-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: PA

Complaint narrative:
I purchased a XXXX XXXX in XX/XX/XXXX. I paid the loan off in XX/XX/XXXX. XXXX issued a voluntary recall of the product for a full refund. My return was processed via Affirm, since I financed my purchase through Affirm. The refund was received by Affirm on XX/XX/XXXX, per their online system. They issued a partial refund but there is a remaining balance of {$4000.00} that hasnt been returned to me. Attempts to get the rest of my refund havent been successful. Affirm states that refunds via check will take 21 business days. There is nothing on their site that says it will take 21 business days to receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: TRANSWORLD SYSTEMS INC
State: IN

Complaint narrative:
I requested a 30 day payoff statement from my loan company to refinance with another company. They initially told me it would take 48 hours to appear, and when I didnt get it, I called back. The gentleman told me it can take up to 3 business days and to keep waiting. Several days later, I called again and a woman informed me it actually takes 10-14 business days ( which seems insane but fine ). After anxiously waiting without ever receiving the document, I finally I called on the 17th business day and was basically told that someone would look into it, and that she would send a 2nd request just in case. My first loan payment is now past due, my refinance application with the other company expires in 5 days, and this payoff statement ( whenever I do get it ) actually expires in 4 days. Meanwhile, the loan company continues to accrue significant amounts of interest with every day this is delayed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
DO NOT DISMISS AS A DUPLICATE! 

The original servicer was XXXX XXXX XXXX in XX/XX/XXXX. 90 days later it became delinquent as they don't report until 90days. 
It was transferred to the Department of Education XXXX XXXX XXXX in XX/XX/XXXX. 
First complaint is that it was one disbursement not two and should not have been divided. 
The second complaint is they are reporting the first delinquency inaccurately. The clock does not reset when an account is transferred. The original delinquency date should be XX/XX/XXXX. 

A SIMPLE REQUEST FOR LOAN HISTORY SHOULD BE CLEAR

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
DO NOT DISMISS AS A DUPLICATE! 

The original servicer was XXXX XXXXXXXX XXXX in XX/XX/XXXX. 90 days later it became delinquent as they don't report until 90days. 
It was transferred to the Department of Education XXXX XXXX XXXX in XX/XX/XXXX. 
First complaint is that it was one disbursement not two and should not have been divided. 
The second complaint is they are reporting the first delinquency inaccurately. The clock does not reset when an account is transferred. The original delinquency date should be XX/XX/XXXX. 

A SIMPLE REQUEST FOR LOAN HISTORY SHOULD BE CLEAR

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 2021-06-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Contacted mortgage lender and HUD RESPA Division XX/XX/XXXX with no assistance to correct document errors. CFPB beginning XXXX XX/XX/XXXX HUD- Director advised the Consumers to NOT CONTACT the Federal Regulator for assistance for enforcement of Violation EVIDENCE by the mortgage lender of TILA and RESPA LAWS AND REGULATIONS. 

Copies of CORRECT LOAN DOCUMENTS are requested for further actions by the Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$10000.00}, {$22000.00}, {$0.00}, {$19000.00}, {$0.00}, {$35000.00}, {$13000.00}, {$12000.00}, {$25000.00}, {$23000.00}, {$460.00}, {$19000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 


-- PERSONAL LOANS 6. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$35000.00} -This is not my account. 

8. XXXX XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

10. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

11. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$23000.00} -This is not my account. 


-- COLLECTION ACCOUNTS 12. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$460.00} -This is not my account. 

13. XXXX XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: PA

Complaint narrative:
XXXX account number XXXX is reporting a late payment on my credit report from XXXX/2020 this is in accurate information and violate my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f

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 2021-06-20 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: PA

Complaint narrative:
XXXX account number XXXX is reporting a late payment on my credit report from XX/XX/2020 this is in accurate information and violate my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f

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 2021-06-20 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: PA

Complaint narrative:
There are 11 XXXX XXXX XXXX account number XXXX in the amount of {$1300.00}, {$3100.00}, {$3800.00}, {$7500.00}, {$3800.00}, {$7600.00}, {$4900.00}, {$5900.00}, {$1000.00}, {$1800.00}, {$3200.00}. This loan is no only of mines and in litigation. These accounts violates my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, and 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all.

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 2021-06-20 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:
There are 11 XXXX XXXX XXXX account number XXXX in the amount of {$1300.00}, {$3100.00}, {$3800.00}, {$7500.00}, {$3800.00}, {$7600.00}, {$4900.00}, {$5900.00}, {$1000.00}, {$1800.00}, {$3200.00}. This loan is no only of mines and in litigation. These accounts violates my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, and 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: PA

Complaint narrative:
There are 11 XXXX XXXX XXXX account number XXXX in the amount of {$1300.00}, {$3100.00}, {$3800.00}, {$7500.00}, {$3800.00}, {$7600.00}, {$4900.00}, {$5900.00}, {$1000.00}, {$1800.00}, {$3200.00}. This loan is no only of mines and in litigation. These accounts violates my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f, and 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all.

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 2021-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Hello, Earlier this year I applied for & received a Sam 's Club credit card from Synchrony Bank. I was supposed to get a {$45.00} credit & I was only given a {$30.00} credit. After speaking with Sam 's and Synchrony the issue still isn't resolved.

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 2021-06-20 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: PA

Complaint narrative:
XXXX XXXX XXXX account number XXXX in the amount of XXXX opened XXXX this account is no obligation this is a violation of my consumer rights 15 usc 1681b ,15 usc 1692j, 15 usc 1692d, 15 usc 1692e, 15 usc 1692f and 15 use 1681 ( b ) ( A2 ) - costume law I need for u to remove all

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 2021-06-20 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: Conn's, Inc.
State: TX

Complaint narrative:
Agreement was made to remove from credit report when final negotiations of payment which both parties were satisfied. Using almost scare tactics to cause me to settle or lawsuit would be brought against me. Settled with the agreement on amount and removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: SC

Complaint narrative:
JEFFERSON CAPITAL SYST Has not sent me any documents with my signature verifying This debt is mines I don't who this company is and why it has reage the account and trying to collect a debt that they are not authorized to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: NV

Complaint narrative:
medical agencies reporting collection accounts on my report and this information is not valid should be removed they are in violation of FCRA information is not valid Transunion Credit bureau Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$2100.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$540.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00}

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 explanation
Consumer complaint received 2021-06-20 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: NV

Complaint narrative:
medical agencies reporting collection accounts on my report and this information is not valid should be removed they are in violation of FCRA information is not valid XXXX  Credit bureau Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$2100.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$540.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: NV

Complaint narrative:
medical agencies reporting collection accounts on my report and this information is not valid should be removed they are in violation of FCRA information is not valid XXXX  Credit bureau Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$2100.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1000.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$540.00} Creditor : XXXX XXXX XXXX Date opened : XX/XX/XXXX Amount : {$1500.00}

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 explanation
Consumer complaint received 2021-06-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Exeter Finance, LLC.
State: SC

Complaint narrative:
Exeter Financial Service is trying to collect a debt on credit account I dispute the debt and ask if The promise note can be sent to me I havnt been sent anything This is a violation Please remove Exeter Financial off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-20 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: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
I paid off my car loan with CREDIT ACCEPTANCE CORP Account XXXX the dealer offer me a settle offer & i agree to pay off the loan. The following month after the car was paid off sum reason my credit file was incorrect. Credit acceptance sent me a letter that's says the car is paid in full but on my credit report it says, Account paid in full for less than full balance which that appears on all 3 my credit reports. i can not get a car loan with this incorrect accounts that on my credit report also this so call miss payment also. i have all my letter from Credit Acceptance its not making any sense why this showing a charge-off or paid for a less amount Credit acceptance agree on this pay off not me so i sent them the pay-off payment so this shouldn't be a bad account on my showing on my all 3 of my credit file. I call all 3 credit companies about this issue so many times & they will not fix this account at because Credit acceptance will not update the remarks show as a good account & paid & full & the miss payment delete off. Its not making any sense why would a company agree on a {$1400.00} payment to payoff this loan. All PAYMENTS WERE MADE IN COMPLIANCE WITH THE NEGOTIATED SCHEDULE WILL NEVER MISS A PAYMENT ON THIS LOAN. 15 USC SECTION 1692 ( g ) REQUIRES VALIDATION OF DEBT REQUIRING A DUTY TO RESPOND AND FAILURE TO RESPOND IS EQUATED WITH FRAUD. This was a joint account my wife name also on this account XXXX XXXX this also damage her credit file.

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 2021-06-20 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: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
My info was stolen ally financial has several hard inquiries that Ive been fighting to get off my report please help the dates are XXXX XXXX. 2.XXXX XXXX 3.2 XXXX XXXX 4. XX/XX/2020 if these could be removed after back and forth with the company no one speaks XXXX just remove wasnt me .. Ive since put fraud alert on

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