vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'm currently applying for a pre-aproval mortagage loan. The company helping me with this process request a paid credit report from the 3 agencies EXPERIAN, XXXX, XXXX. XXXX and XXXX already release my credit information on XXXX XXXX. EXPERIAN still no release any credit report. 
I had been trying to speak to an agent calling their number ( XXXX ) XXXX for 2 days. Ofcourse it is totally impossible to speak with some one, the web-site does not have any email or other feature that can be used to resolve my problem. 
I'm a first time buyer and I'm afraid EXPERIAN is blocking my opportunity which is totally unfair.

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 2022-03-01 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: NY

Complaint narrative:
I have sent dispute letters to XXXX, Transunion, and XXXX I have sent an follow up letter and I have not received an response from any of them and it has been past 30 days. This has caused an adverse effect on obtaining financing or obtaining a job. Please find attached letters sent to all 3 credit bureaus

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 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
on XX/XX/XXXX I opened a checking account in Citi bank, at that time there was a promotion, " open a checking account, keep deposit in the account of {$200000.00} for 60 days, can get {$1500.00} bonus ''. I deposited {$200000.00} on XX/XX/XXXX. On XX/XX/XXXX, I thought it has been 60 days, so I used chat system of Citi bank, a representative named XXXX chatted with me. I asked him if I have met all the requirements to get the bonus, he said yes and I only need to wait until XX/XX/XXXX to get the bonus deposit into my account. Then I asked if I could move the {$200000.00} out of the account. He said that I can move the money and it won't impact my bonus. I have screen shotted of this chat and attached please find the screenshot. In XX/XX/XXXX, I still didn't get the bonus, I call Citibank, they told me the 60 days means the 20 days after I opened the account till the XXXX day. I argued Citi 's representative told me that I have met the requirements and I could move the money out of the account, so it is not my fault. They said they will record my complaint, but after XXXX week I got a mail said I still didn't met their requirement. Then I complained again for the misled of this representative XXXX, and until now, I never got any response.

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 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Comenity bank has harassased me with multiple calls of a debt that is not mine. I was a victim of identity fraud and Im guessing this account was apart of my identity stolen. I saw this debt on my credit report and reported it as debt not mine. 

After months of calls from come its bank I answered on XX/XX/XXXX. The collection officer did not identify who she was. I told her I have no recollection of this debt, and that I would like for her to only community with me through mail services from now on. She continued to harass me and question why I didnt report it as fraud when I did in fact tell them it was fraud. She threaten that I will be taken to court, etc and was very rude.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-01 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: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I was recently trying to refinance my mortgage and the lender notified me that I had two instances of 30+ day late payments from Mr. Cooper XXXX I called Mr. Cooper, submitted details to their escalation team and have still not heard back from them. I believe that these late payment ( s ) should be removed due to several reasons : * I was unaware of my Servicing being transferred to Mr. Cooper ( from XXXX ) in XX/XX/2021. 

* I was set up with auto pay with XXXX and this was not transferred. No one at Mr. Cooper attempted to reach out to me to let me know that payment was due. 

* I only became aware of the servicing transfer from my lawyer who tried to get a pay off quote from the previous servicer ( and was notified that it had been transferred ). 

* I called in to Mr. Cooper on XX/XX/2021 to request the payoff quote amount and the customer service rep did not inform me that the XXXX payment would need to be provided that day to avoid reporting late to the credit agencies. She provided a payoff quote reflective of the amount due if paid off in full the next week ( XX/XX/2021 ). She said any payment would impact this payoff # that I needed to give to the lawyer that day in order to close on the sale. 

* I paid the loan off in full on XX/XX/2021. Yes, my servicing was transferred unknowing to me while I was in the process of selling the property and moving to a new property. 

This has negatively impacted by credit and caused me to be declined for a refinance transaction which would have saved me thousands of dollars over the life of the loan. This was driven by operational issues related to the servicing transfer and miss-communication from the Mr. Cooper representative XXXX not a true credit/delinquency event.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have not had a Wells Fargo account since I was a teenager. Regardless of the fact Wells Fargo has falsely open an account in my name 20 years later, they are now negatively impacting my credit score to a point that I can no longer apply for a home loan. I have filed XXXX reports I have called them multiple times over the last several months and they continue to ding my credit score to a point that I can no longer recover it. When attempting to call their customer service line they hang up and say the call volumes are too high call back later. The lack of customer service and attention to a clear error on their side is not only disheartening but frustrating as someone who has had exceptional credit score of their entire life. Wells Fargo opening false accounts is no longer something that Ive only heard in the news they have completely impacted my ability to have a reasonable credit score and failed to pay attention to the gross misdemeanor of this act. Even when attempting to call Wells Fargo in the past I have no idea what my account number is because I never opened an account and the customer service turns out to be rude unhelpful and condescending. I have wasted countless hours on attempting to mitigate this problem and it is now impacting my life and work. The account that was opened last XXXX was not open by me and I can not get access to anyone at Wells Fargo to try to close it let nevertheless mitigate my credit report.

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 2022-03-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
Signed up for Kabbage checking account offering a { {$300.00} } cash bonus if terms are met. Earn a {$300.00} cash deposit into your Kabbage Checking account after you complete a total of 5 debit card purchases within 60 days of account opening. ( You must apply and be approved by XX/XX/2021. Terms apply. ) Opened Account on XX/XX/2021. Met the terms of the promotion on XX/XX/2021. Terms state bonus will be deposited 8-12 weeks after account opening and after meeting terms. XX/XX/XXXX bonus should've been deposited per the terms. Called in XXXX and said it would be deposited in 2 weeks. Called in XXXX, said it would be deposited soon. Called XXXX and said it would be deposited end of XXXX. Called today XX/XX/XXXX and still not sure when. Have to confirm with business team. False advertisement and not following terms of the promotion. I just want the bonus I qualified for per the terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Public record information inaccurate
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
My name is XXXX XXXX XXXX and my AMEX account with the account number XXXX is still being displayed on my credit report despite the fact that it has surpassed the 7 year statute of limitations. This must be removed because of the illegal practices that has been made. I've already sent dispute letters to both the Credit Bureaus and AMEX and up until now there was no resolution that occured, Kindly take action to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Capital One will hold my credit card payments and assesses my fees later than expected/communicated within disclosures. I have made payments on the weekdays before processing times of XXXX on multiple occassions in past, and the payments post same day, and show as cleared from my bank. Those payments in past with Capital One would go through and become available same day. More recently now Capital One has started to hold my payments for 2-3 business days, and most recent they have communicated they are holding my funds on my payment for 8 business days and will not update my available balance. This has happened on smaller amounts $ 50- {$200.00} and now more recently a XXXX charge. The funds are showing as cleared from my bank that I sent them from. The representative of Capital One XXXX refused to provide options at first on the release of the funds and kept only repeating processing times. Kept avoiding their job because they " didn't feel respected '' because i'm asking the question " why did things change. " Then attempted to argue with me when I asked for different information and not just the processing times. The Capital One representative continued to act smart and try to provide limited information until I kept asking for other options. They never giving a clear explanation on why it would happen, just that the " systems do it that way '' which raises questions to Capital Ones XXXX they use for processing and the impact it has on other borrowers. I never had the issue barely a year ago and now it happens frequently. Capital One will also wait to assess fees and interest to my account past the 4-business day assessment. How is this fair? I have noticed that I will make a payment by the XXXX. Not including non-processing days/weekends/holidays. 

Example I have of this. In XXXX, I made my payment on XX/XX/XXXX to Capital One for {$350.00}. My payment date is communicated as XX/XX/XXXX, with 4-business days. I noticed in XXXX that something seemed off on the assessment of payments and fees, because there is a lag. I took a screenshot of my account latenight on XX/XX/XXXX and the interest had yet to be assessed. Seeing the interest was not assessed I tried to process another payment of {$25.00} on XX/XX/XXXX. Once I made that payment, no update. Then I went back in early morning XX/XX/XXXX the fees showed as if they had posted on XX/XX/XXXX with everything else. All day I could not see the fees and then they update on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I obtained a XXXX  XXXX  credit card backed by Synchrony Bank. I have a small credit limit of {$1400.00}. I was initially able to use my credit card with no issues. On XX/XX/XXXX I made a payment of {$1000.00}. This money was deducted from my checking account and posted to my credit card balance thereby reducing the amount owed on my credit card. This money has been deducted from my checking account and the transaction is finalized by my bank. 
As of today, XXXX  has not released these funds for use. I contacted them and was told it is their policy to flag certain transactions and place a hold to ensure that the paying bank does not recoup funds. I was told that I can access my credit on XX/XX/22 at XXXX. 
In summary, I have a {$0.00} balance on my credit card and a {$1400.00} credit limit but I can not access my credit until XX/XX/XXXX at XXXX due to an arbitrary " policy '' that holds my payment in limbo.

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 2022-03-01 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: MI

Complaint narrative:
I hold two credit cards with JPMCB. But three cards appear on my credit report. I phoned JPMCB to inquire, and they confirmed that there was a third card, with middle digits XXXX which was being used by someone else, who either has my same name or was abusing my name. 

The representative at JPMCB explained that sometimes a card registers to a person with the same name can be assigned to the wrong credit report. In this case, he stated that he would issue a letter to each of the credit reporting agencies and notify them of the error and have that card removed from my credit report. 

This can take up to 7-10 business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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:
I was recently trying to refinance my mortgage and the lender notified me that I had two instances of 30+ day late payments from XXXX XXXX XXXX I called XXXX XXXX, submitted details to their escalation team and have still not heard back from them. I believe that these late payment ( s ) should be removed due to several reasons : * I was unaware of my Servicing being transferred to XXXX XXXX ( from XXXX ) in XX/XX/2021. 

* I was set up with auto pay with XXXX and this was not transferred. No one at XXXX XXXX attempted to reach out to me to let me know that payment was due. 

* I only became aware of the servicing transfer from my lawyer who tried to get a pay off quote from the previous servicer ( and was notified that it had been transferred ). 

* I called in to XXXX XXXX on XX/XX/2021 to request the payoff quote amount and the customer service rep did not inform me that the XXXX payment would need to be provided that day to avoid reporting late to the credit agencies. She provided a payoff quote reflective of the amount due if paid off in full the next week ( XX/XX/2021 ). She said any payment would impact this payoff # that I needed to give to the lawyer that day in order to close on the sale. 

* I paid the loan off in full on XX/XX/2021. Yes, my servicing was transferred unknowing to me while I was in the process of selling the property and moving to a new property. 

This has negatively impacted by credit and caused me to be declined for a refinance transaction which would have saved me thousands of dollars over the life of the loan. This was driven by operational issues related to the servicing transfer and miss-communication from the XXXX XXXX representative XXXX not a true credit/delinquency event.

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 2022-03-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
on XX/XX/2022 I did an annual review of my credit profile, upon reviewing current credit status there are several inaccurate items and inquires reporting. Per the FRCA policy EQUIFAX is currently in violation of several of my consumer rights per 15 usc 1681b Permissible purposes : ANY consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18. In accordance with the written instructions of the CONSUMER to whom it relates ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01 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: TX

Complaint narrative:
When I complain and make requests for the permissible permission used to access my credit report on XX/XX/2017 from XXXX XXXX XXXX XXXX ( XXXX  ) and Experian, XXXX automatically labels without even reading This complaint appears to be about the same issues as your earlier complaint. XXXX is Experians client and neither have yet to supply the permissible permission to have accessed my credit report on XX/XX/2017. XXXX  is wrong, doesnt even read the complaints, and wipes their hands clean of this because they are trying to shield themselves from the wrongdoing and liability associated with unlawfully accessing a citizens credit report without permissible permission. Is XXXX a company in 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 2022-03-01 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: TX

Complaint narrative:
When I complain and make requests for the permissible permission used to access my credit report on XX/XX/2017 from XXXX XXXX XXXX XXXX ( COAF ) and Experian, XXXX automatically labels without even reading This complaint appears to be about the same issues as your earlier complaint. XXXX is Experians client and neither have yet to supply the permissible permission to have accessed my credit report on XX/XX/2017. XXXX  is wrong, doesnt even read the complaints, and wipes their hands clean of this because they are trying to shield themselves from the wrongdoing and liability associated with unlawfully accessing a citizens credit report without permissible permission. Is XXXX a company in 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 2022-03-01 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: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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