vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I'm a victim of identity theft. I've been attempting to recover the damage and resolve the issues on my credit report by calling, faxing, and uploading the required documentations to the bureaus as requested by their agents. Even after disputing these fraudulent accounts with these bureaus and the creditors for well over 10 months, the creditors have constantly ignored all requests for proofs used to validate these fraudulent accounts on my file and yet the creditors keep validating fraudulent information and accounts on my credit report without proofs. The bureaus have been notified of this and yet the creditors are freely allowed to report fraud information without any consequences for violating the federal law and my FCRA rights.

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 2022-03-02 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: TX

Complaint narrative:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/XXXX and was accompanied by a dispute submitted directly to TransUnion. The dispute number was XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my dispute on XX/XX/2021. This is not a delay : this is negligence on the part of TransUnion, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by TransUnion to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. TransUnion must be held accountable and to the standards clearly outlined in 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 2022-03-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WorldRemit Corp.
State: IN

Complaint narrative:
I have been using World Remit regularly since at least 2017 to send funds to my friend in XXXX. I know this XXXX  man personally, and he runs a non-profit that helps vulnerable children, youth, and women. I send funds regularly to help with rent, educational expenses, medical expenses or food. I often send my own funds several times a month or funds on behalf of friends who are not tech savvy. I went to send funds again last Friday, and my account has been disabled. When I inquired with the company, they asked for some basic information including my last transaction number. The only response I got was that my account didn't meet their " approval criteria. '' I went back and looked at their rules and don't see anything I did wrong. They have refused to answer any further inquiries including on their feedback. Not only am I unable to use them to send funds, but my disabled account means I can't go back in and look up my history of transactions. In addition, I was needing to send funds over the weekend for a medical need and was unable to do so due to this arbitrary disabling of my account. This is wrong and dangerous. They have the right to decide I can not send through them, but I would like to understand what has prompted this arbitrary action. I would also like to see my history of transactions. I am currently finding alternative options, but it is disappointing that a company who made money on me for the past several years ( a company that I had recommended to others ) has behaved in this fashion. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am victim of ID theft. A thief used my information to open a Capital One credit card using my personal information. I do not know how this person got my information, or who is doing this. This credit card was opened around XX/XX/XXXX, I discovered this XX/XX/XXXX. I reported this to Capital One as fraud and also XXXX. XXXX submitted documents on my behalf to verify my information with Capital One and to start a fraud claim with Capital One to get this resolved. During this process many documents were sent to Capital One and finally on XX/XX/XXXX my XXXX agent reached someone in the Capital One fraud department named XXXX. XXXX told my XXXX agent that this Capital One card was closed as fraud on XX/XX/XXXX and would submit a request for a letter to be sent to me showing this is closed. Then on approximately XX/XX/XXXX I started getting more statements in the mail with Capital One requesting payment from me. Then to add insult to injury they have now reported this to a collection agency called XXXX XXXX XXXX ( XXXX ). Capital one needs to recall this fraudulent account from XXXX XXXX XXXX ( XXXX ) and get this closed as fraud again in their system and stop harassing me for something I did not do, was not a part of, and did not benefit from. Furthermore, if they feel the need to hold me responsible I need more of an answer than, " We didn't suspect fraud. '' What concreate evidence and documents do they have showing this? I need all these documents they are using to deny my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Southwest Credit Systems, L.P.
State: DE

Complaint narrative:
On XX/XX/2022 at XXXX XXXX, Southwest Credit texted a shared company phone line, XXXX. The line is owned by XXXX XXXX XXXX XXXX and the message was seen by numerous employees of the company. The message read as follows : This message is from Southwest Credit, a debt collector. Call XXXX or visit us online at https : //www.swcconsumer.com Reply STOP to opt-out. 

Clearly they say a debt is owed. The phone number is not owned by me, XXXX XXXX, but is used primarily to contact me for work reasons. But this phone does change hands on job sites for other workers to use and complete parts of their daily tasks. 

As to how Southwest Credit got this number, I have no idea. 

Furthermore, I do not owe a debt to their supposed client, XXXX! Now I am being made fun of at work because of this message. My staff wont trust me. I may lose my job. Southwest Credit needs to rectify the damage it has caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
FLAGSTAR BANK sent a loan modification agreement in XXXX XXXX, which I have been making payments on consistently since XXXX. They sent the documents with the wronf name and I could not sign them. I have been calling every week since XXXX and have spent countless hours on hold and talking to them. I was assured time and again that I would receive revised documents in the correct name. They have had proof of my name change since XXXX XXXX  XXXX. XX/XX/XXXX, I received a new loan modification agreement in the wrong name and a higher payment by {$200.00}. I was then told after calling 4 times, that i would get corrected documents with the original modification terms. On XX/XX/XXXX, I received documents in the correct name, but the higher payment. They told me that FHA won't accept the original loan modification because it expired. It is Flagstar 's fault that it expired, and I was assured that so long as I made payments according to the agreement, I had nothing to worry about. FlagstaXXXX has given me 10 days to sign these new documents. Also, I was told by abother department that the balance listed on my partial claim agreement is higher than what is actually owed. I am now requesting an accounting of my loan and payments.I contacted FHA, and they have no record of stating they will not accept the prior agreement.

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 2022-03-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
XXXX XXXX  {$750.00} XXXX XXXX account is settled and they agreed to remove it off of my credit report.-closed XXXX XXXX XXXX XXXX {$100.00} I closed this account because someone opened this account in my name and I paid it off and they agreed to have it removed-closed XXXX XXXX Capital one {$300.00} I dispute this charge and it came right back the account is settled -closed XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
XXXX XXXX  {$750.00} XXXX XXXX account is settled and they agreed to remove it off of my credit report.-closed XXXX XXXX Syncb belk {$100.00} I closed this account because someone opened this account in my name and I paid it off and they agreed to have it removed-closed XXXX XXXX XXXX  XXXX {$300.00} I dispute this charge and it came right back the account is settled -closed 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 2022-03-02 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: PA

Complaint narrative:
Sending several times of multiple letters, unverified inquiries listed below are still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these inquiries remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the inquiries that are still showing on my report. 
EXPERIAN BUSINESS CRED Date of Inquiry XX/XX/XXXX EXPERIAN XXXX CRED Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX of Inquiry XXXX XXXX XXXX XXXX XXXX ODA Date of Inquiry XXXX XXXX Date of Inquiry 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 2022-03-02 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: PA

Complaint narrative:
I have been following up with Transunion for the past couple of months for the accounts that you can find in the attachments that i need to be removed from my account but they have not been able to do so. Thats why i am asking for your help now to have the false accounts removed from my credit report because it has been causing me so much distress already.

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 2022-03-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
BBT and Sun Trust recently merged. None of my log on credentials no longer work, and the company has wait times of XXXX minutes to speak to a representative. Everything was fine when I was a sUn-Trust customer. It seems that this merged bank goes out of its way to avoid talking to customers. 
They want a customer to fix problems themselves. They are a great source of annoyance and frustration. Can you help?

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 2022-03-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent a letter to equifax to delete XXXX incorrect late payments on my credit report on XX/XX/2022, but they failed to response to me within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BSI Financial Holdings, Inc.
State: IN

Complaint narrative:
For the last three months I have tried to put in a loss mitigation application with BSI Financial. The first time I sent in mail correspondence on XX/XX/XXXX to the exact address that they told me to send it too and a month later it came back to me. I then sent an email with everything I sent them to there loss mitigation team on XXXX. I have now been in email communication with them since.They keep telling me I need to turn in documents that I have already turned in I totally, and on XX/XX/XXXX and XX/XX/XXXX I am at a loss. They have told me that until I get these forms turned in that my application wont be filed. They also sent a letter saying if I dont pay by the XXXX they will go into foreclosure proceedings but I cant even get them to file the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: ENCORE CAPITAL GROUP INC.
State: KY

Complaint narrative:
XXXX I lived XXXX XXXXXXXX with my sister until XXXX, when I moved down to XXXX. 
This credit card by XXXX XXXX was opened in XXXX XXXX  XXXX from the XXXX address I had lived at. 
I received communication from XXXX XXXXXXXX by a woman that very limited communications skills using XXXX. I informed her that I was in need of the information used to open the account so that I could file a fraud case against the account with the police. 
Instead of sending the information, they simply updated the information with my current information and started sending bills. 
I called them to resolve but got nowhere, and now htye have Midland Funding destroying my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
My credit card was charged for things I did not purchase. A large number of the charges are listed as being from XXXX. I don't have an XXXX XXXX account. In fact, I have no payment arrangement with XXXX whatsoever. I called the number listed for XXXX several times, but each time, either it says call back, or puts me into a phone tree. The phone tree always returns me to the a menu I have been on before. In other words, it puts me in an infinite loop. No wonder the original address of XXXX Headquarters was 1Infinite Loop. 

Another charge was from XXXX. I don't even own a a XXXX. 

There is also a billing for XXXX XXXX. I did originally subscribe to XXXX XXXX, but quickly rescinded my subscription. 

When I disputed these charges, I got a message saying they would contact me if they needed additional information. Of course they never contacted me. Finally they said the dispute had been resolved by refunding XXXX dollars and some cents on the XXXX billing of {$42.00}, {$26.00}, and {$10.00}.

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 monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
The company was requested to investigate issues on my consumer report. Said company claimed they investigated the issue, however I was not provided with the proper paperwork to confirm the issues were indeed investigated. After receiving a letter claiming the information was investigated and accurate, they later removed some of the inaccurate information which they have been falsely reporting on my consumer report for a year.

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 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
Im XXXX XXXX and have a PayPal account thats Ive not used in years. I get a call recently that I owe {$300.00} + for an XXXX account I never setup, My email, XXXX, XXXX, PayPal, and Venmo accounts were all hacked. Reinstated my email but cant access PayPal or Venmo anymore. The debit is already in collection and Id like to resolve this. Thank You.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 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: FL

Complaint narrative:
I sent a letter to Experian requesting verification of specific items on my credit report. Experian received my letter ( sent certified ) on XX/XX/22. As of today, XX/XX/22, I have not heard from Experian listing results from their investigation.

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 2022-03-02 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I applied for a credit card for a department store purchase on XX/XX/XXXX. I was approved for the card and proceeded to purchase furniture on said card. My delivery was set for XX/XX/XXXX but my home was not ready to take delivery so I rescheduled for a later date. I also opted out of one of the furniture items prior to my scheduled delivery. I received the furniture on XX/XX/XXXX. I received an email on XX/XX/XXXX stating a payment was due XX/XX/XXXX. I called the credit card company on XX/XX/XXXX letting them know I didnt receive a bill yet and just recently received the merchandise. At the time of the call the representative stated she would make a note and that I shouldnt pay until XX/XX/XXXX and she would make a note regarding any late fee to be removed. I requested my account be removed from electronic billing statements and would like to continue receiving a paper bill instead. On XX/XX/XXXX I received a collection call from XXXX XXXX regarding my past due bill. I explained the previous conversation with customer service and also requested more detailed information on the balance due. The collection representative stated she couldnt request an late fee adjustment unless I agreed to pay the amount past due. I was very upset the previous rep didnt request this adjustment or note my account. I feel this situation is predatory lending. I was never told my billing would start the date of the transaction instead of my delivery date. I also have never received my initial bill even after I requested it on XX/XX/XXXX. This has caused me emotional distress and a financial hardship because I wasnt prepared to make a payment until after I received the merchandise. My credit score was impacted by the transaction because it reflected a balance above the amount of merchandise I received. The company was only willing to reverse the late payment after I made a payment and is requiring me to pay the late fee to later credit towards my merchandise purchase. In total I authorized {$140.00} payment to eliminate any past due marks on my credit however I also need to pay an additional {$29.00} for the late fee even though the payment should go to my balance. I believe during my credit application I was automatically signed up for electronic statements that didnt allow me to dispute this prior to my due date. The company will not acknowledge there was a break down in communication from the initial credit approval. They will not assist with any corrections to eliminate my minimum payment being a lot higher with less merchandise actually received.

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