vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 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: NY

Complaint narrative:
On XX/XX/XXXX I sent a dispute letter regarding inquiries that was not initiated by me and asked that items be investigated for accuracy and verification but I have yet to receive a response back as of XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: OH

Complaint narrative:
On XX/XX/2022 I sent a certified letter to Equifax to dispute the inaccuracy of my consumer report requesting an investigation on all listed accounts in question and also verifiable proof. In return I did not receive any verifiable at all. At this time I have also sent letters to all furnishers in question. In accordance with the Fair Credit Reporting Act my privacy and rights have been violated. I demand all accounts on my consumer report be deleted Ohio Department Of Human Services XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C. 1681 1a 2 ( A ) ( i ) 15 U.S.C. 1681 SECTION 602A states I have a right to privacy 15 U.S.C. 1681 SECTION 604A also states a consumer reporting agency can not furnish an account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am refinancing my house with XXXX XXXX  and apparently, I took too long to send the information they need. The first inquiry was made on XX/XX/XXXX which I did authorize but later talking with the loaner agent he mentioned that needs to run my credit score again, I said DONT DO IT, next day I got a notification from XXXX  XXXX about that inquiry. I have screenshots that can submit. The inquiry I don't authorize was made on XX/XX/XXXX. XXXX XXXX  record all their calls so you can ask them for the call on XX/XX/XXXX with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: FL

Complaint narrative:
I am refinancing my house with XXXX XXXX  and apparently, I took too long to send the information they need. The first inquiry was made on XX/XX/XXXX which I did authorize but later talking with the loaner agent he mentioned that needs to run my credit score again, I said DONT DO IT, next day I got a notification from XXXX  XXXX about that inquiry. I have screenshots that can submit. The inquiry I don't authorize was made on XX/XX/XXXX. XXXX XXXX  record all their calls so you can ask them for the call on XX/XX/XXXX with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am refinancing my house with XXXX XXXX  and apparently, I took too long to send the information they need. The first inquiry was made on XX/XX/XXXX which I did authorize but later talking with the loaner agent he mentioned that needs to run my credit score again, I said DONT DO IT, next day I got a notification from XXXX  XXXX about that inquiry. I have screenshots that can submit. The inquiry I don't authorize was made on XX/XX/XXXX. XXXX XXXX  record all their calls so you can ask them for the call on XX/XX/XXXX with XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: CA

Complaint narrative:
XXXX XXXX I filed a dispute on and account that closed in XXXX. The account is past 7 years of being on my credit report and Ive filed several disputes for the past 3 years. Experian refuses to resolve this and keeps extending the report to stay on record till XXXX. This is unacceptable.

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 2022-02-24 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
XXXX purchased for a concert on XX/XX/XXXX, concert rescheduled for XX/XX/XXXX, contacted company ( XXXX XXXX ) for a refund-called to dispute charge at that time. Chase refused to refund disputed amount of {$510.00}. Event cancelled again and apparently rescheduled to XX/XX/XXXX, had tried to contact company because account through XXXX 's site was compromised. No tickets ever received, no communication from them with rescheduled date. Chase refuses to refund the money stating they have a XXXX dispute limit, even though I had called well within the time frame originally to dispute the charge ( XX/XX/XXXX ) Chase has poor customer service. Employees are rude and one working from home had a female laughing in the background. Disgusted by them!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: FL

Complaint narrative:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX : XXXX -- -> : {$7100.00} XXXX, XXXX : XXXX -- -> : {$270.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: FL

Complaint narrative:
EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : DEPT OF ED/XXXX  : XXXX -- -> : {$7100.00} XXXX, XXXX : XXXX -- -> : {$270.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I am writing to dispute a charge of {$580.00} to my credit card account on XX/XX/XXXX that Chase refuses to assist me with. The charge is in error because I canceled my flight on the same day. I booked the flight on XX/XX/XXXX and I canceled it the same day. When I realized they never credited my account, I filed a dispute with Chase. On XX/XX/XXXX, Chase sent a letter advising the disputed charge was valid as XXXX XXXX submitted a screenshot of their terms and conditions prior to booking on their website. This is an error as I attempted to cancel the same day on XXXX, but as stated XXXX was a low budget airline and as such, I had to cancel directly with them. So I did. On XX/XX/XXXX I called Chase when I realized that they stated that charge was valid. I was transferred five times before someone would help me. When I spoke finally spoke to Customer Service Rep, he advised that I must have entered the dates wrong and if I wrote a letter to explain this, the charges would be credited back to my account. On XX/XX/XXXX I got a letter on stating that the charge was valid. The customer service rep said she couldn't help me and to write another letter to get the claim reopened again for a second time. I asked to speak to her manager. XXXX XXXX got on the phone and advised her hands were tied because the dispute needed to be filed by XX/XX/XXXX. I advised the dispute was filed prior to that date. She then advised the deadline was XX/XX/XXXX to reopen the claim but they didn't get my fax until XX/XX/XXXX. XXXX XXXX then refused to connect me to a manager or give me a name of her boss and just kept saying there was nothing she could do to help me. I was never advised that there was a deadline of XX/XX/XXXX. Not in a letter or on the phone. They now advise they can not reverse the charges because it's too late. They owe me this money now since they gave me misleading information on purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: M.A.R.S., Inc.
State: OK

Complaint narrative:
My name is XXXX XXXX, XX/XX/XXXX I had an eviction filed against me by XXXX XXXX XXXX Professionally Managed by XXXX XXXX, I was making partial payments, I tried getting rent assistance from multiple places but it was the middle of the pandemic and things were hard, I was 6-7 months pregnant at the time and lost my job due to XXXX. 
On XX/XX/XXXX i delivered a CDC Declaration for the eviction moratorium to the offices of the apartment, they received it and stated that because I didnt have supporting documents they were going through with the eviction for late payment. 
Per the XXXX At the time, you did not have to provide any supporting documents of hardship, They filed the eviction and in the court documents it stated I owe {$1400.00}. 
The property management sold within the time between then and now, and have sold my debt to MARS, the balance on the credit report is {$3900.00}. 
Ive gotten in contact with XXXX XXXX and have been talking to XXXX XXXX XXXX, XXXX Vice President of XXXX XXXX XXXX Multifamily They had no record of the signed declaration, and are not being very helpful to come up with a solution, She said my balance was {$3900.00} due to rent owed and damages to said property but, court documents do not state any damage to property. 
Ive tried getting in contact with both more and i have heard nothing. 
They completely ignored the CDC declaration I delivered. I shouldnt have been evicted at the time, I ended up pregnant with nowhere to go and now Im unable to get any type of rental to provide a home for my son due to there lack of attentiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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:
On XX/XX/XXXX I sent a dispute letter regarding inquiries that was not initiated by me and asked that items be investigated for accuracy and verification but I have yet to receive a response back as of XX/XX/XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: NE

Complaint narrative:
Hello my name is XXXX XXXX and I have new and updated information on Transunion. Transunion is continuously violating my rights as a consumer pursuant to the FCRA 15 usc 1681a ( c ). I have attached my exhibits to show proof Transunion negligently and willfully noncompliance with federal law. 

Count 1 : Transunion refusing me the right to a proper investigation pursuant to the FCRA 15 USC 1681i by stating they will need up to 60 days for an investigation. However, this automated response is not in compliance with federal law 15 USC 1681i where it state a consumer should be given a 30 day investigation starting from the date of receipt of the dispute. Transunion received the dispute on the XXXX of XX/XX/2021 at XXXX. 30 days from that will be XX/XX/XXXX. See attached green receipt along with attached response from Transunion stating up to 60 days. 

Count 2 : Continuously updating inaccurate information while the investigation is going forward. I have attached an exhibit of continued inacurrate information updated and proof showing this information has not existed since 2021. However every month and any time I dispute with Transunion regarding this account it always " updated '' to further ruin my reputation.

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 2022-02-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I applied and was approved for a Bank of America credit card on XX/XX/XXXX. I received the card but did not active the card or open an account at Bank of America. 

Unbeknownst to me, I was charged an annual fee on the card even though I did not activate the card or establish an account at Bank of America. During this time, I moved and did was not able to update my address given I did not create an account with Bank of America. 

I eventually received a notice dated XX/XX/XXXX that from BofA that my account was past due despite never activating or opening my card and making zero purchases. 

On XX/XX/XXXX I tired to access my account but it had been closed by BofA and I was unable to access/create my account in order to make payment.

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 2022-02-24 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I attempted to make a payment online in mid XX/XX/2022, the account showed no amount due. I recieved no billing statements not demands for payment until XXXX XX/XX/2022. This included a late fee of {$28.00} ; no payment was requested or listed as due at any time until XXXX XX/XX/2022. This are illegal, unethically charged fees.

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 2022-02-24 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: PA

Complaint narrative:
ion know who open these accounts I have to figure out who did this to me! I am sick to my stomach and I need your help outting these companies. they have messed up my reports and I'm ready to buy a house. My loan officer told me to make a report so here I am.

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 2022-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CrossCountry Mortgage LLC
State: NV

Complaint narrative:
I recently tried to log into my account ( XX/XX/XXXX ) to resume making payments for my mortage and was locked out of my account. When I contacted Cross Country Mortgage to resolve the issue, they admitted to locking my account. Their explanation was because they discovered a bankruptcy, which belongs to my dad. We have the same name, however, XXXX am XXXX and he is XXXX. My father 's bankruptcy was filed late XXXX or early XXXX. What I find very disturbing is, Cross Country Mortgage did not verify the social security number to make sure it indeed belonged to me. If they would have just verified the ss number, I would not be in this stressful situation. I also take a problem with being asked ( by Cross Country Mortgage ) to send them a copy of my dad 's bankruptcy paperwork. My father is not a client of Cross Country Mortgage. This violates my father 's privacy. Although bankruptcy are public records, sending someone else 's records are not something a Mortgage company should be asking their actual mortage holder to do ( me ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: VA

Complaint narrative:
I was contacted very shortly after posting an appliance for sale on XXXX XXXX by a one " XXXX XXXX '', an XXXX user. Cautiously, I asked where the individual lived, and they simply replied " Virginia '', which is distressing when contemplating selling something like a clothes dryer. Virginia is a big state! 

Anyway, the individual requested to pay me via Zelle. After I'd provided my Zelle information, I was given a faked confirmation snapshot, which did not contain enough digits to be verified by Zelle. Upon mentioning this discrepancy, the individual instructed me to check my email ( I had not yet seen any transfer in my bank account or Zelle account activity ). In my Spam folder, there was a suspicious email from XXXX, an intentionally misleading address. The email read as follows : ___________________________________ Dear XXXX, Account Limit Zelle is a revolution in the way money moves. It's a free app that lets you send and receive money with almost anyone in minutes by working with leading banks and credit unions. 

You have a pending payment of {$150.00} USD We should be crediting your account now but we noticed the account has been limited and not a business account so it cant be credited so we need you to contact the buyer to send in the amount of {$500.00} USD to your Zelle account so it can be changed to a business account be credited immediately with {$650.00} USD into your account with a welcome bonus of $ XXXX, which the total sum of $ XXXX will be credited to your account immediately **PLEASE NOTE** Payment will not be credited to your account until refund of additional payment has been refunded for your buyer protection so neither the payer or the payee doesnt lose his/her money! 
You will receive a " CONFIRMATION EMAIL '' from our Zelle Team informing you that the funds has been credited to your account. 
___________________________________ I confronted the " buyer '' about how I had not received any money, and that it seemed very fishy. They denied wrongdoing. I blocked them permanently and reported the email as a phishing attempt. Please look into this individual, I worry they may have defrauded folks in the past, or could do in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Forged Check in the amount of {$8400.00} was drawn on my business BB & T ( now Truist ) account on XX/XX/2022. 
I knew it was fraud immediately because we have not done business with that vendor in many months. 
In addition, the amount of the check was approximately eight times the normal transaction amount. 
I submitted an " AFFIDAVIT OF FRAUD '' on XX/XX/2022. 
I have a Claim Number from BB & T ( now Truist ) and have called several times for updates and there has been no progress.

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