vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: WA

Complaint narrative:
On XX/XX/21 I sent a letter regarding inaccurate and incomplete credit information on my credit report. To this day over 90days later I have not received a response yet. I feel like I'm being Taken advantage of and being ignore of my disputes. I demand these account be deleted or updated immediately or I will file for litigation due to the stress you cause 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 2022-02-09 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: GA

Complaint narrative:
i have submitted a dispute for an item that doesnt belong on my report for over a year now, and i still have not gotten a response. cant log into their website or speak to anyone on the phone. this has gotten out of hand an their is no excuse for the neglect equifax has shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX I ordered some XXXX earpods on line from Best Buy and paid {$320.00} using my BestBuy credit card. When my son opened them, he said they were not XXXX  ( although they were in an XXXX case ) I took them to the Best Buy store near me to return them and get the right ones I ordered and paid for but they directed me to call XXXX I explained what occurred and was told to mail them back for a full refund. They sent me a prepaid label and they received the earpods on XX/XX/XXXX. I called to inquire about my refund several times and they would open a new case every time I called but they never refunded me my money. Spoke with XXXX on XX/XX/XXXX at XXXX ( case XXXX ) she promised the refund would show on my statement within 2 billing cycles, it did not happen..called again and spoke with XXXX on XX/XX/XXXX XXXX XXXX am ( case # XXXX ) she promised the same but did not deliver on her promise. Called on XX/XX/XXXX at XXXX pm ( case # XXXX ) spoke with XXXX, then XXXX, they escalated my case but again the refund did not happen.Then they said that because the items that I returned were not XXXX earpods, they cant make the refund so I called my credit card company. I did not receive the correct earpods, they sent mock earpods to me. I am the victim of fraud here and so I just wanted the credit card company to cover me for this transaction and refund me for the charge that XXXX is not refunding. I opened Case number XXXX on XXXX. Today I received a letter from the credit card company showing me proof of the charge and dismissing my dispute. I never said that I did not make the purchase. I made the charge but BestBuy, the store, shipped me mock items. It was either the store employees or the shipping company they used or I do not know who but I did not received what I paid for therefore I want MY MONEY BACK.. I was scammed. I want a REFUND

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 2022-02-09 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:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: OH

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: IN

Complaint narrative:
Chime closed my account and I never did nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: OH

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2022-02-09 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: OH

Complaint narrative:
I am very upset with this issue. I sent a letter to the credit bureau on XX/XX/2021 regarding inaccurate accounts on my report. I have not received a repsonse. I did my research and I am for sure that the credit bureaus have 30 days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

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 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal original transaction date XX/XX/2022. 

Purchased sporting event tickets using Paypal. Tickets delivered were from a different event than ordered. Seller was unable to resolve the issue and unresponsive. Requested refund through Paypal for the {$230.00} spent. Paypal issued a partial refund on XX/XX/XXXX of {$83.00} and closed the dispute as resolved in my favor. I contacted Paypal on XX/XX/XXXX to dispute the resolution and the Paypal customer service team was not helpful stating I had won my dispute and that there was nothing further they could do. Refunding {$83.00} of a XXXX does not resolve my issue. Paypal support offered no resolution and said that I needed to dispute the charge with my bank. I disputed the charge with XXXX XXXX who maintains it was a authorized charge to Paypal which I authorized and will need to be resolved by Paypal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-09 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: TX

Complaint narrative:
I am listed as an authorized user on 2 XXXX credit cards on my Equifax report that are both in negative standing. I requested to be removed in from the accounts and followed up with a dispute on XX/XX/2020 with XXXX. The accounts were removed from both XXXX and XXXX, but not Equifax. When I disputed the request and provided the documentation, XXXX and Equifax still refused to remove the accounts. Ive disputed these accounts multiple times only to receive the same response every 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
I filed my dispute with Sam 's club regarding my ex- boyfriend of 11.5 years using my name on his account without my knowledge. He is re-married and his wife now has a second card with him. I don't even have a Sam 's club membership anymore. I filed the dispute about a week or so ago. I explained to them ( Sam 's club ) the debt is not mine, and that I have not been with that person for over 16 years. The person was not given the rights to continue the use of my name or my identity on the his account. This is considered fraud. I asked them to remove me from his account. To please contact him and demand my name to be removed. They said that the owner of the account is the only one who can remove me from the account. I almost dropped. This is crazy! He has no rights to use my information. They have failed to do this. All they did was give me a payment history and considered it resolved. This is not resolved in any way, shape or form. I'm highly upset and disappointed in the way this was handled. I hope someone can handle it better than they did. I will be talking to a lawyer next.

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 2022-02-09 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:
This company has reported fraudulent information on my consumer report without my written consent, anything without permissible purposes is considered identity theft. I demand that this company remove this fraudulent Inquiries from my consumer report and from there internal data base.

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 2022-02-09 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I opened a chase bank account and after few days, I have seen a decrease in my credit score. I contacted the bank regarding this and they didnt respond well to my question. Im very sure that I did not apply for any credit card from JP morgan chase bank. I saw a hard enquiry and my score went down by XXXX points on XXXX XX/XX/2021. Also very recently I approached XXXX XXXX to purchase a car and I asked them is it possible for me to get a loan. The sales representatives told me that they would he doing credit enquiry to finance me. They checked for several time and brought my score down from XXXX. Kindly help me with this. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I open my account since 2009, when still was a Wamu Bank, and I use this account for everything, it is the only account I had till this saturday XXXX, when I had to open another accounts at other bank because friday XXXX I found out that they blocked it, and I when I called saturday they told me that my accounts are been review in process of closing, without any call or message over the phone or anything, I called chase to unlock it but they said that they can not do nothing till the review is done on XX/XX/XXXX, leaving my wife and me without any money and witout all the savings that we have for our daily life and by the way they dont give a exact reason why they are doing this, they says that my account is being review for suspicious activity, and I dont know why is that cause the only source of income that we have with my wife is our jobs, and before I got my account hacked and somebody try to make a huge payment to a website with my checking account but chase sent me a text message asking me if I was the one doing the transaction, luckily I caught it on time and they cancel the transaction, but they didnt lock my account back then, and this experience make me think... If they were suspicious they should have sent me a message again instead of all the problems that they cause us, leaving us inhumane stranded without access to our money for around 3 weeks o more, until today I can not do nothing with my account still locked and I have to ask to somebody to lend me money for pay all the bills that were due and my groceries and all my daily life and survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: Consolidated Information Services Solutions, LLC
State: CA

Complaint narrative:
Universal Credit Services ... XXXX XXXX XXXX XXXX continues the systemic Institutional XXXX oppression, and XXXX inequality treatment of my personal credit profile ordering a hard credit inquiry WITHOUT my signed authorization. Either provide a signed by me ( XXXX XXXX ) application, document with my signature authorizing such, or IMMEDIATELY remove the erroneous inaccurate inquiry from my credit reports!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX filed fraud dispute. 
{$320.00} was the total amount taken. 
Filed fraud dispute. Called AT least every 2 weeks since the original date I filed. 
XX/XX/XXXX was the last date I called to ask for an update, was told it was being worked on. 
I also have emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
This debt has been disputed numerous times and removed. I do not owe this debt. This also looks to be a very old debt. I sent a certified letter stating this. Do not contact me anymore and i do not owe this debt!

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 2022-02-09 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: NJ

Complaint narrative:
I have tried to dispute this matter with the credit bureaus and i have not been given a response. I sent in a formal dispute on XXXX to all three credit bureaus. I need these accounts to be investigated because they are misleading and reporting inaccurate information and is violating my consumer privacy rights.

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 2022-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: FL

Complaint narrative:
I made a dispute with Chime regarding fraud. Within 5 days they closed the investigation and failed to comply with EREG.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: WI

Complaint narrative:
l fell behind on the payments due to the COVID lockdowns in my state. I contacted Selene Finance the loan servicer and asked for help they sent me a packet to fill out. While this was happening I received a letter informing me of a transfer or mortgage assignment to, XXXX XXXX XXXX XXXX XXXX as owner trustee for XXXX XXXX XXXX XXXX. 

Then I returned the paperwork packet completed in XX/XX/2021 and the end of XXXX received a letter stating I was approved for a deferral program, But I had to accept it by XX/XX/XXXX. I created a letter accepting this deferral program and faxed it mailed it and emailed it. Then on XX/XX/XXXX I called and accepted it verbally. I was told I would receive paperwork in a couple of weeks to sign and with direction to make the first payment. I never saw the packet. In XXXX I started calling asking where it was. But they wouldn't answer my calls. I used the number on file. So on XX/XX/XXXX I used another number They answered and told me the initiated the paperwork on XX/XX/XXXX. But explained the person on the XX/XX/XXXX call was suppose to take a payment and failed to. note the letter never said that. She said she needed permission from a supervisor to complete it and would call me Thursday evening or Friday. Never received a call, I called today again using a different number and talked to a second lady, she agreed I should have received a call but will try to handle it now. Then she said on XX/XX/XXXX they placed it into foreclosure and she couldn't do anything, This call was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Im currently shopping for an auto loan and received a preapproval offer from XXXX XXXX. I also submitted a credit application with XXXX XXXX XXXX to get a lease offer of which a hard inquiry was completed. I was contacted by one of their dealers but they didnt have the car in stock that Im interested in. The sales rep, XXXX XXXX, was trying to convince me to have finance at his dealership also run my credit so they can shop with their partner lenders even though I already have a pre-approved offer. I told him Im not interested in having them run my credit one because they dont even have the car in stock that Im looking for and two because I already have a preapproval offer. The sales person told me he will let his finance department know and will get back to me. A few minutes later, I received an inquiry alert from XXXX notifying me that XXXX XXXX XXXX auto dealership in CA, pulled my credit - without my consent. I did not complete any credit application with them nor did I provide them with my information to authorize a credit check.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MT

Complaint narrative:
Venmo froze my account because I tired to order of XXXX iv given them every piece of abutting to show it was me but they still haven't unfrozen my account they also haven't depositing my money that I did a standard XXXX on they passed the date they told me it would be delivered on they won't talk to me or tell me why my account if froze they stole my money and are getting attestation with it is theft pain and simple... it was my tent money and as a result me my wife and my give week slogs caught was kicked out and venmo still hasn't released my money or give me idea when it will be or why please help so this fraud scamming... thefts from stealing people 's money

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX / XXXX / {$350.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

Company response to consumer: Closed with explanation