vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I discovered an unauthorized recurring transaction on my XXXX XXXX Bank Account for {$24.00} paid to Experian on XX/XX/XXXX. I phoned my bank to notify them of the unauthorized transaction and learned that Experian had also made unauthorized transactions for {$24.00} on XX/XX/XXXX and XX/XX/XXXX. My bank has reviewed these transactions and are in the process of removing them. I have asked them to block Experian from making any further transactions on my account. 

I phoned Experian to request they reverse the charges and change my account to the " free subscription. '' As I was explaining my situation, the customer service representative hung up on me. When I phoned back, the automated attendant initially said it would ltake XXXX minutes to answer my call and then clicked and said that I needed to resolve my issue on the company website. It appears they flagged my account so I can not phone them to fix my account problem. 

I believe Experian has deceptive business practices or is trying to cover up fraudulent transactions on my bank debit card.

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 2022-02-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The vehicle was bought back by the manufacturer. The account was paid in full. I have a letter from XXXX XXXX XXXX saying its paid in full. It is still showing on my credit report as open and XXXX XXXX  XXXX will not remove it from my credit report. They keep declining my dispute for a paid off and closed loan account.

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 2022-02-28 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: William D. Meeker Enterprises, Inc.
State: FL

Complaint narrative:
Someone have been applying for credit in my name at the following places -CIC Credit : XXXX XXXX XXXX -factual Data : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX -XXXX  : XXXX XXXX XXXX -XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-02-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX has violated my rights. 
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XXXX XXXX, 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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 2022-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
TD Bank In less than 2 months, most of it in just 1 month, more than {$500.00} were taken in fees from an account that never even had a balance as high as {$500.00}. 

This has to be too much. They are basically robbing me at this point. 

From late XX/XX/XXXX to current.. last attempt at escalation to highest XXXX XX/XX/XXXX. 

I spoke to XXXX XXXX then a rep at a branch.. then XXXX at Branch where my Account now is located at a town in NJ I can later specify. 

They insist inability to change policy.. while I understand that a few times I dropped below XXXX and on those occasions apparently a few things hit same time.. this can not be a proper rationalisation for continuing to take most of my money, especially considering I am out of work. 

I hope there is some check on this behaviour.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BARCLAYS BANK DELAWARE
State: PA

Complaint narrative:
I recently flew on XXXX XXXX on XX/XX/2021. While on the flight, the flight attendants offered a credit card application. If you filled it out in flight. They offered XXXX bonus miles and XXXX extra for the in flight application. You then had to use the card in 90 days. And pay the {$89.00} application fee. I spent almost {$5000.00} and paid the {$89.00} fee. I was awarded only XXXX bonus miles from the card issuer. When I called they told me that the card only carries XXXX bonus miles. Every pc of the credit card brochure clearly states XXXX bonus miles. There is no mention of XXXX bonus miles anywhere in XXXX credit card application. I would not have applied under those limits. I feel this is a deceptive and unfair practice.

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 2022-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Was given a promotion to spend {$500.00} and would receive {$100.00} statement credit back. Still have not received it and called customer service, they stated working on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: SC

Complaint narrative:
I have been in contact with my mortgage company for over 2 months now about my taxes being unpaid. Everytime I call, I ask to be transferred to a supervisor to discuss my file. Every single time I call they claim to be opening a work order that is due by x date and when I call on that date for an update, I'm given another date XXXX weeks from then. My taxes are now delinquent and I don't believe it's my responsibility to pay the interest out of my escrow account due to their mistake. I work at a real estate attorney 's office and know how this should be handled. I asked them to confirm the tax map # of the taxes they paid for and it was a completely different tax pin than my property. I searched the taxes up and it's for a whole other person 's property who just got their taxes paid for on my escrow account 's behalf. I have given the company all the information that they need to fix this issue and I am never given an answer or taken serious. It's frustrating when I'm given the run around on every single phone call but they're quick to draft out my mortgage payment every month. I've attached a copy of my deed to show my correct tax pin as well as a screenshot of my escrow information showing the incorrect tax pin. I have spent hours on the phone with this idiotic company and I am tired of getting the run around. They could absolutely care less.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Multiple hard inquiries have been pulled in my name by the following creditors. None of these are me. Someone is stealing my information and trying to open new accounts. 
XXXX XXXX XXXX  on XX/XX/2022 XXXX XXXX on XX/XX/2022 Capital one on XX/XX/2022 XXXX on XX/XX/2022 XXXX XXXX XXXX bank on XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 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: V.I.P. MORTGAGE, INC.
State: AZ

Complaint narrative:
I never authorized this company to pull my credit. I called them to have them remove this, but they have no record of this. They sent me to the company they used to pull credit. They wanted me to provide them with lots of personal information before they could investigate. The problem with this is that I never provided my personal information to begin with. Why would I provide it now? They would then be able to say yes, we did get the information from him. They refused to act on my request. 

This inquiry is damaging to my personal credit. It's preventing me from obtaining normal rates. This entry is placing me in a higher risk category. 

I'm strongly requesting that it be removed immediately from all credit reporting agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Franklin Credit Management Corporation
State: CO

Complaint narrative:
Franklincredit management company is not proactively to released the lien on my property which court ordered for extinguishing since XX/XX/XXXX and they are using the tactic in case consumer lost their record and have to pay them again. I just recently apply for a loan in late XX/XX/XXXX that is how I found out I had outstanding lien against my property that I need to resolved. Luckily I had my bankruptcy discharge filed with county clerk as permanent record. When my new bank loan reached out to them and they had received the lien release request but they don't work it in timely manner and keep saying call us back next week. My bank called them in first week of XXXX and send them an email on XX/XX/XXXX and today is XX/XX/XXXX I called them and the customer name XXXX told me to call them again next week and hoping their vendor can get it done in the next two weeks. This lien should be taking care of back in XXXX if they respected court order strongly. This is causing a lot time delayed and frustrations. Just for consumers please filed your record with County this will back you up and save your money after 20 yrs later you decided to sell your property.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I have tried to dispute the negative marks on my credit report on XX/XX/22 by sending a letter to Equifax and they have not responded within a timely fashion or at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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:
I am having problems with accounts not being reported as paid or I paid an account to the collection agency but the original account is showing a balance and the collection has been deleted as agreed upon.The following is a list of the accounts which are not correct and which bureau is reporting it wrong. 

Conns - was paid through the collection agency which is now deleted but they are reporting a balance on all three bureaus, XXXX, XXXX XXXX Equifax XXXX XXXX, XXXX, XXXX, XXXX and XXXX XXXX XXXX  - These have been paid but are not being reported as paid in the payment status line or noted in the comments by Equifax. They are all reporting as paid in the payment status line and in the comments section on XXXX and XXXX. I paid these back in XXXX of last year. I've gone to Equifax multiple times asking for these to report correctly or to delete them. I've even got to these companies directly and they just say it was paid and that it could take up to 30 days to be reported as paid, its been 3 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax XXXX breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-02-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Multiple hard inquiries have been pulled in my name by the following creditors. None of these are me. Someone is stealing my information and trying to open new accounts. 
XXXX XXXX XXXX on XX/XX/2022 XXXX XXXX on XX/XX/2022 XXXX XXXX on XX/XX/2022 XXXX on XX/XX/2022 J.P. Morgan chase bank on XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Multiple hard inquiries have been pulled in my name by the following creditors. None of these are me. Someone is stealing my information and trying to open new accounts. 
XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX on XX/XX/2022 XXXX XXXX on XX/XX/2022 Amex on XX/XX/2022 XXXX XXXX XXXX XXXX  on XX/XX/2022

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have XXXX get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX Balance : {$22000.00} XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX breach and may have got into the hands of the wrong person.

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