vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-29 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Hi, My name is XXXX XXXX. I have submitted a complaint with experian over 30 days ago via certified mail and their online dispute center. I enclosed two forms of identification a utility bill and my driver license which knocks out their claim that they can not verify identity. I have a XXXX XXXX XXXX account that is infactual and does not belong as stated in the dispute requests sent to this bureau on multiple occasions. Please see the enclosed documentation in response to taking longer that 30 days and not sending out investigation results and leaving the status as pending. I seek the CFPB help in them violating FCRA laws.

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 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MT

Complaint narrative:
Truist assumed our mortgage loan from BB & T. I found a past payment was not correctly credited to our mortgage and the latest payment ( made in XX/XX/2022 to BB & T per their instructions ) is not being credited by Truist. I have tried to resolve these errors with Truist but have been placed on hold ( for 45-60 minutes ) and a scheduled call from a supervisor ( XXXX ) at Truist was not kept ( XX/XX/2022 ). When I called customer service again, ( after another hold of 45-60 minutes and repeated holds during the call ) I was told they do not have a record of my earlier calls or XXXX the CSR I spoke with ). My concern is in assuming our existing mortgage loan, payments are not being correctly credited and I am being asked to make payments when they are not due. I am always 2 months ahead of the loan payment date. 
I believe Truist intentionally makes it difficult to reach them by telephone as a way of not dealing with their poor management of the assumption of BB & T.

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 2022-03-29 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: AMERICAN EXPRESS COMPANY
State: OR

Complaint narrative:
I signed up for a credit card with American Express in XXXX of 2021 based on a welcome offer of XXXX membership rewards points. I clicked the link in the email when signing up so there should not have been any issue in applying the offer. I received confirmation, approval, and the cards quickly. I quickly spent the required money to trigger the welcome offer but only received XXXX membership rewards points. I contacted customer service in early XXXX and advised the mistake. I was told that this was an easy fix and would be applied within 2 billing cycles. 2 billing cycles came and went and I followed up again. This time I was told that it was not addressed and they would need 10 additional days to review, they also requested that I upload documentation of the welcome offer, which I did immediately. 10 days passed and I reached out again, I was told that the issue was not resolved and I would need to wait an additional 2 billing cycles. I escalated the issue to a manager and said they are requesting a rush but it would take minimum 3-5 additional days but up to 2 billing cycles. They advised originally that closed the claim because there was no documentation despite never being asked for it. I got no notification of the same and was even told that amex does not have any obligation to respond to these types of inquiries. They even informed me they have. I told them that was unacceptable and I have paid all my required fees timely and they need to honor their end of the bargain. They advised there was nothing that they could do. Even after spending hours trying to get this issue resolved I have no faith that this issue will be handled. It is a simple bait and switch by a major global company, and it is extremely disappointing after being a customer for 10+ years

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hi, My name is XXXX XXXX and Transunion is accused in my case of multiple violations you can see in the attached documentation below. I would like the issues sent in my previous dispute fixed as they have sent in a false claim about a third party company.

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 2022-03-29 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: GA

Complaint narrative:
I, XXXX XXXX, natural man/ woman have recently pulled my credit from Equifax and saw that they are reporting a bankruptcy. 
I have mailed the U.S. Bankruptcy Courts on XX/XX/XXXX2022 to ask them if they have any information about me and a bankruptcy and i also asked if they furnish information regarding public records to the credit reporting agencies. They have written me back on XX/XX/XXXX22 saying that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. 
I am left to believe that Equifax have never validated or verified these public record entries on my credit report. 

I am demanding that Equifax delete this bankruptcy from my consumer report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I met a person online by the name of XXXX XXXX on XXXX. Somehow he managed to hack my bank account and send online transactions through XXXX and XXXX, as well as other online transactions. 
XX/XX/XXXX Total online transactions I did not authorize : {$5900.00}. 
XX/XX/XXXX Total online transactions I did not authorize : {$7500.00}. 
XX/XX/XXXX Total online transactions I did not authorize {$6100.00}. 
XX/XX/XXXX Total online transactions I did not authorize {$10000.00}. 
XX/XX/XXXX Total online transactions I did not authorize {$4500.00}. 
I was not aware of these charges and Citibank debited {$20000.00} I had in my savings account, completely wiping my savings. I have yet to receive any of my money back and they denied my fraudulent claim. I never authorized this person to make these transactions and I will continue to fight to get my money back and to remove any addition charges this person did.

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 2022-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: OneMain Finance Corporation
State: CO

Complaint narrative:
A man named XXXX XXXX ( something, the phone kept cutting out ) from XXXX and associates called from XXXX and insisted I had a debt that he was going to sent to court and have criminal charges brought up on me. He told me my name SSN DOB and address from 6 years ago. I didn't confirm anything but my name. When I pressed him he said the debe was from One Main Financial and that I had made arrangements to pay and had made XXXX payment of {$170.00} in XXXX of 2016. I denied knowing about the debt and demanded proof of such debt. He said good luck in court. I then found the number for One Main financial and called them I spoke with XXXX XXXX who verified I do not have any debts present or previous with them. XXXX then suggested contacting credit bureaus and law enforcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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:
Hello, My name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.

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 2022-03-29 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:
Hello, My name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete these items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Coinbase, Inc.
State: NC

Complaint narrative:
Coinbase suspended my Coinbase Debit card ( ending XXXX ) claiming that the card terms were violated. I used this card solely to pay bills in XXXX and XXXX XXXX banks, and that is not in violation of the card terms. I contacted the Coinbase support and they said they can not unsuspend/reactivate the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Hi, my name is XXXX XXXX and I had my identity compromised and stolen in which a fraudulent auto loan at Navy Federal was opened in my name which led to an outstanding balance of {XXXX}. Please see the attached documentation as they were failed to notice or meet any of these demands. I have submitted a police report to all bureaus and XXXX fails to meet the demands of me and the police department as this fraudulent auto loan is not mine and I did not apply for no auto loan. Also, I did not or Never even came across this car or seen this car as it immediately went into a charge off and my credit is very important to me I wouldn't do something like this at all. I want this issue fixed or I will pursue legal counsel as an account that is fraudulently opened in my name is being held against me by this bureau, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Checkr, Inc
State: OH

Complaint narrative:
They are publishing old driving records without saying that it was fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AR Resources, Inc.
State: ND

Complaint narrative:
I have contacted the AR Resouces Agency through this site already and their response was that the an incorporation in PA, holding the same name, holds my debt. I have contacted the Credit Bureau Companies and they have informed me it is the agency from FL. I want written validation and contact from this agency claiming I owe a debt from an institute where it was stated it originated. The originating institute has no record of this owed debt or of giving this nonexistent account to debt collections. 
The only way I found out I had this debt, is it appeared on my credit score after being open for 2 hrs and I have received no contact or notification from any agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: CLGF Holdco 1, LLC
State: TX

Complaint narrative:
A Credit card was opened in my name without me applying for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I attempted to open a checking account with Chase Bank today XX/XX/2022 at approximately XXXX pm Arizona time through Chase Bank 's online application process. It stated that my application was denied and an account could not be open. No explanation was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: WA

Complaint narrative:
XXXX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX ( XXXX ) XXXX Last 4 of SSN : XXXX Unauthorized Hard Inquiries to be REMOVED : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-03-29 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: WA

Complaint narrative:
XXXX experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX WA XXXX ( XXXX ) XXXX Last 4 of SSN : XXXX Unauthorized Hard Inquiries to be REMOVED : XXXX XXXX Bank XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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 2022-03-29 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: CO

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 54 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ), It is clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 54 days so they should be deleted promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: CA

Complaint narrative:
XXXX  XXXX is showing on my account never had account with them there on my Equifax account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/XXXX I received letters from Synchrony Bank that my credit cards I possessed with them have been cancelled and closed based on activity on the accounts indicative of high risk of failure to pay. I have several years with these cards and most of these cards were issued when I did have good credit. Since 2 years ago, and during the pandemic my income did decrease as I got a divorce, my mom died during the pandemic and I lost my job and cared for my mom to take care of her. I moved in with her and cared for her as she developed XXXX XXXX and eventually died on XX/XX/XXXX. I was caring for her household and my own home which was located XXXX hours away. My income did decrease and since have gained employment and obtaining social security benefits as I will be XXXX this year. Most of my cards were in good terms and i have auto pay as I worked very hard to maintain good credit with synchrony and now they have cancelled all my cards with the company and of course my credit has hit rock bottom. I understand the terms that they have every right to cancel at any time, but it makes me upset they did it unexpectedly and while many of my cards were in good standing and it wasnt until I tried to use them that I understand they were cancelled by Synchrony. They monopolize the issuance of these cards and now I an stuck with paying them with very high interest rates. I would like to have them be reinstated if possible or offer a mutual agreement to decrease interest rate so that i can work out payment arrangements that fit my budget.

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 2022-03-29 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: CA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: WI

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX ( a loan officer at Amerisave ) suggested me to pay a rate lock fee of {$500.00}, suggesting that he was locking my rate at 3.99 % when in reality he locked me at 4.5 %, He used deceptive tactics and hid information from me. After that he sent me the details, upon reading which I realized what had happened. I contacted him next morning complaining that he had mislead me and I want a refund. He said he can do that. After several email exchanges he told me on XX/XX/XXXX that he has requested a refund for me and the refund should hit my account in few days. He didn't provide me any proof, neither I got any confirmation. I haven't received a refund yet as of XX/XX/XXXX and he has stopped taking my calls or replying emails. Reading some reviews I find that this is a standard tactic of the company and people eventually give up due to the company 's obfuscating and slippery tactics and don't get their money back.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-29 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: NV

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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