vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 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: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-04-06 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: NY

Complaint narrative:
On XX/XX/2022 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Grain Technology, Inc.
State: VA

Complaint narrative:
Grain credit suddenly closed my credit account after charging me a XXXX dollar annual fee that wasnt disclosed in the application when i signed up. Ive been a member for close to 2 years never had one problem. They take the money then send me a email a few weeks later saying my account cant be verified and to fix it before XXXX XXXX here it is XXXX the XXXXXXXX XXXX and they have already closed my account without even giving me a chance to verify. Now they are unresponsive and will not answer my emails phone calls or XXXX messages. On top of everything there is no explanation for what cant be verified. Everything is in order

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Four Directions Lending LLC
State: NV

Complaint narrative:
I took out a loan with this company and decided to consolidate it and worked with a company called XXXX XXXX XXXX. XXXX XXXX XXXX sent out cease and desist letters and negotiated on my behalf. Yet, this company is still contacting me and threatening to garnish my wages. I will include attachments that show that I paid the entire program with XXXX XXXX XXXX and I should not owe West Side Lending anything.

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 2022-04-06 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: NY

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Avant Holding Company, Inc.
State: NY

Complaint narrative:
For over XXXX years I've made my payments to Avant credit LLC on a timely fashion, however over the past several months Avant has been holding over my available funds for 10 days. THIS STARTED AFTER I ACCIDENTALLY SENT DUPLICATE PAYMENTS to them and I requested for Avant to send back one of the payments which they refused, so I had to file a dispute with my back to get that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: IL

Complaint narrative:
Experian continues to report fraudulent information after I provided my FTC identity report along with proof of identity and formal letter of request to blockthe fraud items pursuant to section 605b of the FCRA. I was quickly able to resolve with XXXX and XXXX with the same information. I continue to face damages due to the reporting of the harmful information due to identity theft. This is a violation of my consumer rights to remedy identity theft. It is also Fraud Enablement to report the fraudulent accounts. I submit this complaint to document the unfair reporting of fraudulent information by Experian against me.

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 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
It appears my checking account with Wells Fargo was closed out, account no longer listed with online banking, savings account showing XXXX balance. Before closing, the checking account was over drawn in the amount of $ XXXX, which reflects a provisional credit reversal in amount of {$290.00}, a debit card purchase from XXXX made months prior. Previously, I attempted to resolve XXXX disputed purchase, Wells Fargo accepted forged signature as proof of delivery, despite the fact I do not sign my name as XXXX XXXX The package was sent via XXXX, driver has a habit of forging signatures, leaving packages elsewhere and or where they can be stolen ... .This was explained in a prior CFPB complaint in re, Wells Fargo rep ( s ) chose to disregard it and would not reverse debit in amount of {$290.00}. As it appears account is now closed, I request Wells Fargo resolve negative balance by crediting back amount of {$290.00}, failing to do so, I request name and number of collection agency account may have referred to.

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 2022-04-06 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:
I have send a numerous amount of letters and details about multiple items on my credit file that have not been verified by your company. I sent out letters stating that I would like to see verifiable proof ( an orginal consumer contract with my signature on it ) that you have on file of the accounts. Numerous letters have been sent out and multiple complaints and your company have been sent out but nothing has been done. I have been keeping close eye on things and keeping a good record of my filings. You all have fail to respond in 30 days and are breaking the law and will lead to a small claims action against your company that I and seeking XXXX per violation for Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Reporting Act, and XXXX XXXX. Also stated from the company in my last complaint they review was completed and stated my results were mailed to me but the results they sent stated I did not lived in the united States or have a SSN which is also false because as my last complaint my SSN was attached to my documents it is in these complaint. This is my third complaint and attempt to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Millco Management
State: NC

Complaint narrative:
XXXX XXXX  has seen letters to remove. AmeriFinancial Solutions , LLC has added 2 transactions to my credit reports and have NEVER contacted me prior to posting to my credit report. Whomever they are collecting a debt for has NEVER contacted me because I do not owe anyone!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I had a payment of {$5600.00} due but only paid {$3000.00} - the next day ( XX/XX/XXXX ) I paid the remaining balance of {$2600.00} and was charged {$43.00} in interest. The subsequent month ( XX/XX/XXXX ) I was again charged {$29.00} for additional interest on the previous late payment despite my balance being paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: TX

Complaint narrative:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ZuntaFi Corp
State: LA

Complaint narrative:
I received a Bill in the mail like Ive applied for a installment loan in which I did not with the company named ZuntaFi. Ive nerve heard of such company not have I applied for any installment loan with any such company in fact, Ive already filed Bankruptcy in 2020 because of the same reason, for installment loans Ive never applied for, which damaged my credit profile tremendously. My Bankrupcy was discharged XX/XX/XXXX, XXXX, Ive had fraud alert and my credit freeze in place with all three credit reporting agencies since, and its currently in place now as of this day.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/XXXX I placed an order for 6 dresses to XXXX via XXXX, with payment made via XXXX. 
- On or around XX/XX/XXXX, the dresses arrived and I discovered that they were knockoffs. 
-On or around XX/XX/XXXX, I submitted a return ticket to XXXX via XXXX, which was within a week of receipt of the merchandise. 
-On XX/XX/XXXX, XXXX approved the return. 
-On XX/XX/XXXX, I filed a dispute with Navy Federal Credit Union regarding the knockoff dresses not being as advertised and a failure of XXXX to provide me a US return shipping label despite the merchandise being mailed from a US Warehouse . 
-On or around XX/XX/XXXX, Navy Federal Credit Union issued me a temporary credit in the amount of {$240.00}. 
-On or around XX/XX/XXXX, XXXX resolved the case in my favor and refunded {$240.00} to my bank ( per email attached ). 
-On or around XX/XX/XXXX, I sent proof of return of the XXXX merchandise to XXXX for the dispute case as I was unaware that XXXX refunded my money. 
-On or around XX/XX/XXXX XXXX XXXX reversed the {$240.00} credit to my account charging me for the knockoff dresses that I had returned. 
-On XX/XX/XXXX XXXX confirmed that the XXXX refunded the {$240.00} back to my bank. ( See attached email ) -On XX/XX/XXXX I was on a 3-way phone call with XXXX and NFCU and XXXX insists that theyve refunded {$240.00} back to NFCU on XX/XX/XXXX. XXXX sent an email confirmation to confirm that the {$240.00} was refunded back to NFCU. Style We also confirmed that the {$240.00} was sent back to NFCU. 
-Navy Federal Credit Union is citing that I did not send back the knockoff dresses within a week ( despite me informing NFCU that XXXX hadnt provided me a viable return address ) so my claim was denied and is refusing to refund me for the knockoff dresses that I returned. 
-Navy Federal Credit Union has charged me for merchandise that has been returned and refused to refund the {$240.00} charge + interest despite the bank having been refunded the money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: FL

Complaint narrative:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Problem with fraud alerts or security freezes — 
Company: I.C. System, Inc.
State: CT

Complaint narrative:
All the time I received call asking mi if Im mister XXXX XXXX idont know whi that person live in Florida at XXXX XXXXXXXX XXXX XXXXXXXX XXXX his phone number is XXXX XXXX XXXX please help mi please

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 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
In XX/XX/XXXX I lost my employment due to the Pandemic and country closure. I reached out and wrote XXXX which directed me to contact Synchrony. I wrote them several times and have been continuing to submit payments although it was very difficult to do so. Can you imagine im paying {$100.00} and only {$25.00} apples to my bill the stress im face with. As I await a response to my letter I am highly disturbed to be denied. I waited over a year and I understood because of the pandemic everyone worked from home but this can not be legal. I paid for insurance and when I needed the security I am being denied. It was a very difficult period in my life and while I struggling to maintain my minimum monthly payments I realized I was only being buried in high interest rates. This was very overwhelming to me not to mention I suffered from the virus causing me to quarantine on 3 occasions. I reached out to my credit card providers including XXXX ; to active my card insurance. I was ignored. My claim was never processed. Finally in XX/XX/XXXX when the mandated masked was lifted I was able to orally speak with someone in the card security department. I request my benefits to be active and adjusted to my initial claim period and was denied again. I continue to maintain the minimum payment although I struggle to care or myself and family. Its my obligation to pay my debt as I have insurance its Synchrony responsibility to honor my claim within a timely fashion ; not denied it 2 years later. 
I had insurance my claim should been approved I should be protect. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Legislation S.153/A.2382 Enacts The Consumer Credit Fairness Act, Which Would Address Abusive Debt Collection Practices Legislation S.4823/A.3359 Prohibits Utility Companies From Harassing, Abusing, or Oppressing Customers Connected to Residential Customer Complaints Legislation

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 2022-04-06 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: SANDY SPRING BANCORP, INC.
State: DC

Complaint narrative:
I found out in the process of trying to refinance in XX/XX/XXXX that Sandy Spring bank with whom I have a mortgage erroneously reported my account 30 day late. They apologized as soon as I brought it to their attention and sent me a copy of the letter sent to the XXXX credit bureaus. I have been working with Sandy Spring to clear this up ever since. I was told few days ago that it had been fixed and also received a letter in the mail to that effect. To my surprise, I pulled my credit yesterday XX/XX/XXXX and the late reporting is still showing on there hence reaching out to you guys. I've also mentioned to them that I will be filing this complaint today because I have nowhere else to turn. I have not been able to refinance due to the negative reporting and interest rate has gone up exponentially from XXXX when I noticed the late reporting and brought it to their attention till now. I will really appreciate all the help you can render. Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
My PayPal account has now been permanently limited for the second time without any valid reason, I have not been doing anything fraudulent or that would pose a risk to the platform in any form or way and this is honestly frustrating as I use PayPal on a regular basis. The email associated with my account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX collection for {$540.00} was removed and reinserted from all 3 bureaus and I never received a reinsertion letter. 

1. Transunion XXXX XXXX removed XXXX XXXX reinserted 2. XXXX XXXX XXXX removed XXXX XXXX 3. XXXX XXXX XXXX removed XXXX XXXX reinserted According to : 15 US Code 1681i - ( A ) ( 5 ) ( b ) ( ii ) If an item as erased and is reinserted afterwards, the FCRA requires that the CRA send you written notice of the reinsertion within 5 days. 

I never received the reinsertion letter so I am asking that the account be permanently removed.

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 2022-04-06 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: Synovus Bank
State: DE

Complaint narrative:
XXXX XXXX credit card Has recievd my remittance payment / coupon XX/XX/XXXX Certified mail # XXXX XXXX XXXX XXXX XXXX They have not credited the payment & continue to demand payment and report account deliquent which is hurting my XXXX XXXX

Company response to consumer: Closed with explanation