vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. Today I am going to contact CFPB, FTC, XXXX XXXX, and the XXXX XXXX XXXX XXXX ( OCFP ) .The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were required they just waited. XXXX, XXXX, XXXX XXXX, XXXX, EXPERIAN, XXXX and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP. It doesn't take this long to write off a hardship and delete it from a 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 explanation
Consumer complaint received 2022-01-27 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: GA

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into hands of the wrong person.

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 2022-01-27 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: FL

Complaint narrative:
I contacted XXXX XXXX XXXX XXXX over 30 days ago to give me the proof that my accounts were actually charge offs/write offs as displayed on my credit reports and they never did. But since I'm not representing myself as a lawyer I feel that I'm being ignored. Today I am going to contact CFPB, FTC, XXXX, XXXX, and the NATIONAL CREDIT UNION ADMINISTRATION ( XXXX ) .The reporting bureaus with the exception of XXXX did not delete these charge offs/write offs as by law were required they just waited. XXXX, XXXX, XXXX XXXX, XXXX, XXXX, TRANSUNION and XXXX XXXX ; I want these charge offs/write offs deleted from my credit reports ASAP. It doesn't take this long to write off a hardship and delete it from a 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 non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: DriveTime
State: PA

Complaint narrative:
I will attach a letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: MN

Complaint narrative:
Good day! 

For a few months now, i have been complaining about a negative account that should be paid as agree. But Transunion, XXXX and XXXX keep on tagging it as late causing it to be considered a negative account which has been affecting my scores greatly. I have also complained about unauthorized inquiries in my account that i have no idea of and is in my account without my consent. I hope you can help me remove these as it has already caused me so much burden

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 2022-01-27 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: MN

Complaint narrative:
Good day! 

For a few months now, i have been complaining about a negative account that should be paid as agree. But XXXX, Equifax and XXXX keep on tagging it as late causing it to be considered a negative account which has been affecting my scores greatly. I have also complained about unauthorized inquiries in my account that i have no idea of and is in my account without my consent. I hope you can help me remove these as it has already caused me so much burden

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CA

Complaint narrative:
From XX/XX/XXXX through approximately XX/XX/XXXX, my student loans were serviced by XXXX. During this time, they told me that I was enrolled in the XXXX program and making qualified payments. Multiple agents at the organization told me this. From XX/XX/XXXX through XX/XX/XXXX, I was a fellow with XXXX at the federal XXXX. From XX/XX/XXXX through XX/XX/XXXX, I was employed by a consulting firm XXXX XXXX XXXX XXXX XXXX in XXXX, GA ) placed at the federal XXXX. XXXX told me this was a qualified employer. Not until I tried to get these payments certified did XXXX tell me that they were not qualified because I worked for a consulting firm and was not an actual XXXX employee. I also worked for a nonprofit in XXXX before starting graduate school from XX/XX/XXXX through XX/XX/XXXX. XXXX also said these payments were eligible. Summer of XXXX, I was informed that XXXX was not authorized to manage any XXXX payments and that none of these payments would be qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I have received a promo from Wells Fargo promising 15 point per $ spent on first purchase airfare up to XXXX worth XXXX XXXX Yet points were awarded on a second purchase instead of first - thus netting me just XXXX points. I have called repeatedly and about a month ago WF has opened a case ( I have a case number XXXX ) that was supposed to be resolved within 3 to 5 days. Yet no one has been in contact with me and all I am getting is automated emails " we need more time '' ( even though issue seems to be pretty straight-forward for anyone who looks at terms of the promotions and at what has transpired ).

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
missed mortgage payment accusations

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 2022-01-27 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: FL

Complaint narrative:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed!

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 2022-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Avadyne Health Holdings, Inc
State: IL

Complaint narrative:
They called me telling me about my XXXX  hospital bills, and I told them to take me off the call list and Ill handle the payments then they called me again 3 weeks later and again 3 weeks after that after I have alreayd made a payments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: VA

Complaint narrative:
XX/XX/XXXX was my birthday, my son XXXX gave me {$500.00} and my Husband gave me {$100.00} total of {$600.00}, in the same day at XXXX I contacted Cash App cashing my money to my bank account normaly it takes two to three days, when i checked my bank account the money was not there, then I checked my cash app acount and found out they transefer my money to XXXX debit and that person paid cash app fees of {$9.00}, then I contact Cash App to let them know that I did not casp up my monry to this person with XXXX debit and myself I don't have XXXX and also I let them know that you have my account, my bank information, my name, my address, my phone, They keep telling me that I autorized the transcation that they investigated, now I asked them to give me that person information they could not provide me with the informations they keep teeling that the transction was autorized, I know for sure You not do cash App transction without having cas App account, why they refuse to provide with necesary information????, I contacted XXXX same responseXXXX XXXX  give your information, I'm a XXXX XXXX XXXX living in fix income I don't see why I will autorized unknow person to cash my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: MA

Complaint narrative:
I used this credit card to help Build my credit It was only valid for 2 year after it expired I destroyed the card and never reapplied a year later I start getting billed for a credit line I didnt know Was still active ..cause I never reapplied and didnt have a Physical card I called them to explain,,, they apparently closed my account now my credit is suffering and Ill still being billed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: NV

Complaint narrative:
I sent my first set of disputes for inquiries to the bureaus on XX/XX/XXXX. I gave them the XXXX days legally allowed and never got an answer from any of the bureaus. I sent a second set of disputes through certified mail on XX/XX/XXXX to track the delivery of the letters, they were all delivered as you can see through the attachments, but I still have not received a response from the bureaus. I just sent my XXXX set of disputes to the bureaus yesterday, XX/XX/XXXX through certified mail again, HOPING for something this time.

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 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
XX/XX/2020 I got a membership to XXXX store. I never got the credit card. I just found out that the card was sent back to XXXX because I moved. The place where I moved to do not have a close XXXX. I never had or used the XXXX card, According to XXXX all my correspondence was return back to them. They have the return mail documented in their system. I found out that I have late fees on my credit files because they charged me for automatic membership which I did not agree to when I open the account. I tried to get XXXX to remove the renewal fees from my account but they said they cant unless I have the card number which I NEVER GOT so as a result they will not remove the fee until I can give them an account number. The representative was from a foreign country and not understanding of what I told them about the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-27 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: PA

Complaint narrative:
Ive had numerous fraudulent inquiries on my report and trans union removed them, only later to reappear on my report. It is now hindering me from getting funding and credit cards. Ive contacted them and dont one was able to explain to me why and didnt help me. Only inquiries that are valid are XXXX on XX/XX/XXXX and XX/XX/XXXX, and XXXX on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
My son went to XXXXXXXX XXXX XXXX XXXX in XX/XX/XXXX. The ER clerk coded as MV accident, insurance denied it. He fell and had to get stitches in his lip. Not a MV accident. Then they resubmitted through to the correct insurance XXXX  primary XXXX health secondary. I got a bill XX/XX/XXXX which I then called was told they did not have XXXX  information they would resubmit. XX/XX/XXXX XXXX paid the whole claim except for the XXXX which was deductible. I was told they would re submit for XXXX XXXX to cover the XXXX Fast forward to XX/XX/XXXX I get a collection on my account for XXXX for transfinancial in XXXX XXXX Louisiana XXXX. 
No new bill nothing asking to for the money for me to call them since XX/XX/XXXX. I really though it had been taking care of. 
When I call transfinancial employees are so rude and not helpful at all. I have begged them to put me on 3 way with XXXX XXXX XXXX XXXX physicians groups office that does lanes regionals billing. I call XXXX XXXX XXXX XXXX XXXX they dont show me owing that much they show the BCBS adjustments they dont show me owing XXXX they are waiting on XXXX XXXX which I have spoken to and they still havent got the claim yet for the XXXX They have all the notes Im stating. I dont know what to do. If I owe the XXXX fine Ill pay it. But XXXX has sent me explanation of benefits they have done there portion This one account dropped my score XXXX points I have been working on building and correcting. 
Please help. 
Just so frustrated this shouldnt have even went to collections and now Im feel like Im stuck no one wants to help but companies keeps saying its the other one. 

Please please help frustrated mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
My credit union sent a request to Experian to remove a duplicate inquiry they did in error in XXXX. The inquiry remains on my credit with no sign of correcting it. I ran my report today to find it still showing. I gave them plenty of opportunity to remove it yet they didn't. In addition the balance on my credit card is off by {$100.00}. They need to get that corrected too! If they do not remove the inquiry I will sue them, it's as simple as that.

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 2022-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
All credit reporting agencies are missing monthly status reporting history from over XXXX student loan accounts, credit cards and missing correct address information and its not producing a credit score even when viewing with credit freeze code and/or temp lift to view 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 non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I was informed by American Express via telephone and their website prior to committing to the XXXX XXXX and XXXX XXXX that the annual fee would be waived for XXXX XXXX military personnel. I am a cadet at a service academy, and according to title 44 of US code I am an XXXX XXXX XXXX. American Express amended their policy to exclude cadets so they will not reimburse me the {$550.00} for the XXXX XXXX and {$250.00}. Once this was realized it was outside of the 30 day window to cancel the card, so simply cancelling them could negatively affect my credit score and would not reimburse me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
Case ID : XXXX Disputed amount : {$350.00} USD Seller info : XXXX XXXX PayPal-XXXX XXXX XXXX : XX/XX/2022 Invoice ID : XXXX Transaction ID : XXXX Transaction amount : {$350.00} USD Further, it is clear : 1. That the above referenced transaction was not endorsed, signed, authorized, ratified, either expressly or by implication, by me or with my knowledge or consent.

2. That I did not receive or retain any benefit or value from the transaction, either directly or indirectly.

3. That, in fact, PayPal representative already confirmed that transaction was completed by the third-party email XXXX without my permission and for the benefit of XXXX. 
4. That PayPal favors XXXX against me as victim of fraud. 

THEREFORE, XXXX is requested to provide copy of the third-party Manuel Climent of XXXX authorization to act on behalf of me and/or authorization to inquire charges on my PayPal account. 

Attachment : Attached proof that XXXX authorized third-party Manuel Climent of XXXX to inquire charges kept by XXXX without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: DISCOVER BANK
State: AZ

Complaint narrative:
Discover Card has been charging me outrageous interest rates for the last 3 years. I always make my payment and my bill never goes down, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Conduent Incorporated
State: GA

Complaint narrative:
I want to transfer funds from my GoProgram account to my bank account but am unable to do so. GoProgram instructs cardholders to initiate transfers by calling their customer service number or visiting their website, but both options do not provide/list the option to do so. I am unable to reach a non-automated operator and would appreciate assistance. Thank you!

Company response to consumer: Closed with explanation