vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NM

Complaint narrative:
Applied for mortgage XX/XX/22 as of XX/XX/22 loan still has not been approved. Hundreds of emails and submissions of documentation supplied as requested. Conflicting and capricious request, in attentive communication, promises that approval is eminent with just XXXX more submission which never occurs, confusing and dysfunctional submission procedures and platforms, no person with clear authority to direct complaints or address concerns or make a decision, no clear company customer service policy or apparatus. 
We currently have an existing loan with this company which has rolled over to a higher interest rate while we have attempted to get refinancing at a lower rate. Feel this poor treatment is to deter us from achieving a more advantageous loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Banco Popular, XXXX XXXX Puerto Rico, mortgage acct # XXXX, provided an incorrect " annual escrow account disclosure. '' Illegally added and made payments for excess insurance, when proof was provided that personal insurance was previously made and We never requested that insurance be escrow. This error was brought to the attention of Mortgage servicing and they have yet to refund erroneous payments or provide a corrected " Annual Escrow Account Disclosure. '' The answer provided by XXXX XXXX was that I had to wait until XX/XX/22 for an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I have a BJs Comenity Mastercard # XXXX. Comenity has been having system issues going on XXXX weeks. Initially their website was down for the first week but I could at least still use my charge card. Now their website is fixed but my card no longer works. When I attempt to call Comenity they will not let me talk to a service agent- they say nobody is available and call back later. They have a message on their website indicating that they still are working on it. Any suggestions on how to get my card working again?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions DEPT OF ED / XXXXXXXX XXXX ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount : XXXX XXXX XXXX/ Account XXXX XXXX XXXX {$11000.00} /Charged Off XXXX XXXX XXXX XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXXXXXX XXXX XXXX Amount $ XXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXX-Closed -Account # 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 2022-07-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: CO

Complaint narrative:
I HAVE NEVER BEEN 30 DAYS LATE, ON A PAYMENT, AS INDIGO ( CREDIT CARD ) IS REPORTING. I HAVE REVIEWED MY PAST PAYMENTS, AND NONE WERE 30 DAYS LATE. FOR INSTANCE, INDIGO IS STATING THAT MY XX/XX/XXXX PAYMENT WAS 30 DAYS LATE ; I MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$60.00}. I ALSO MADE A PAYMENT, ON XX/XX/XXXX, IN THE AMOUNT OF {$110.00}. MY XXXX PAYMENT WAS DUE ON XX/XX/XXXX. THE XX/XX/XXXX PAYMENT PAID THE PAYMENT DUE ON XX/XX/XXXX. 

THERE IS, ALSO, A LATE PAYMENT, FROM LAST YEAR ( XXXX ), INDIGO IS STATING ; THE PAYMENT WAS NEVER 30 DAYS LATE. WHEN REVIEWING THE PAYMENTS, WHICH I MADE, NONE WOULD HAVE RESULTED IN A 30 DAYS LATE PAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: NC

Complaint narrative:
On XX/XX/2022, I submitted a dispute to XXXX, TransUnion, and XXXX about some accounts that did not look right on my credit report. According to the FCRA, the bureaus must be able to provide the original documentation, we requested, for any and all accounts listed within 30 days. I requested that documentation and did not receive the method of verification within that time frame. 

I then sent a reinvestigation request on XX/XX/2022, to provide them a second opportunity to provide me with the method of verification, and still nothing has been received. 

At this time all three bureaus are in violation of the FCRA and I am filing this formal complaint with the CFPB. The accounts and reason for the investigation are listed below. 

XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX  XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX I have never been late on this account and requested the payment history. 

DPT EDXXXX XXXX I have never been late on this account and requested the payment history. 

DPT ED/XXXX XXXX I have never been late on this account and requested the payment history. 

XXXX XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile. 

XXXX XXXX XXXX This was a pay per delete agreement, but account is still showing on my credit profile.

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 2022-07-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Hi I bank with Wells Fargo for checking and savings, I am XXXX XXXX  XXXX! I paid my mortgage payment in error twice through bill pay from my Wells Fargo checking account! When I noticed the error I contacted my mortgage holder which is XXXX XXXX! They expedited it to send the extra payment back to my Wells Fargo Checking Account w/ Confirmation that the payment was reversed back on XX/XX/XXXX! Since then I have put in two claims XXXX XXXX ' talked to management & after 3 weeks XXXX XXXX XXXX  refuses to put the money back in my account?? The first claim number I placed was XXXX with a Team Lead named XXXX on the XXXX? Below is the other claim number and email I received? XXXX did their job by sending the money back! XXXX XXXX has still refused to track and/or put back in my account! I need that money back in my XXXX XXXX Checking Account ASAP! 

Please assist w/ this as usually they provide a temp credit while they are confirming the funds have been sent back? This has not been done! I still XXXX weeks after XXXX reversed the payment 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 explanation
Consumer complaint received 2022-07-05 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-05 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 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: RI

Complaint narrative:
I placed an online order with Home Depot in the amount of {$110.00} ( the total purchase was {$160.00}, I used a {$50.00} gift card to reduce the amount to {$110.00} ) to be shipped to the local HD store. When I got the confirmation email, it showed that the item was being shipped to the wrong store ( one far away from where I live ). I called immediately to fix it and I was told the only thing I can do is cancel and then redo the order, which I did. A week later I picked up my item. 

My problem is they never refunded the order I cancelled. I called their credit department and they confirmed the charge was still there. I was told I need to speak with the website people to resolve it. The website people told me I need to go into the store to resolve it. When I went into the store, the people told me I need to call customer service. Then I was told the issue has been resolved and the charge should come off my account within the next 3-4 days. That was over 2 weeks ago. 

I have since spent over 4 hours on the phone with HD Online, HD Credit and HD customer service workers that are unable or unwilling to refund the fraudulent charge. Most recently I was told I can open a complaint and that it would be reviewed in 6 weeks. That is unacceptable to me. 

The original purchase was made on XX/XX/2022. The order was cancelled on XX/XX/2022. As of XX/XX/2022 the charge remains on my card and despite over 6 hours of time invested into this I have made 0 progress with anyone at Home Depot in regards to a refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
i am a victim of identity theft, i never opened these accounts 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 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/2022 I booked ticket on XXXX XXXX XXXX. At the end of booking pop up bank of America credit card application and offering {$100.00} statement credit if I used new credit card for purchase ticket. I am apply and approved. I used new credit card as payment for the tickets. One month later no {$100.00} credit. Contacted Bank of America and representative told me wait one more month. Still no {$100.00} credit. On XX/XX/XXXX Bank of America sent letter " We offer a {$100.00} statement credit to new cardholders who : 1.Open an account while booking a flight online at XXXX XXXXhich I did and 2. used the card to make at least {$1000.00} purchase with 90 day of opening account. 
Which I also did. 
I contact again in middle of XXXX and get reply with exactly same letter but on XX/XX/2022. 
Last my contact XX/XX/2022 and this time the representative from the Bank of America create the story that I opened account on XX/XX/2022, but XXXX posted transaction as XX/XX/2022. This is absolutely not make sense, because I can't approved and print the tickets without full payment. The representative from Bank of America asked me contact XXXX to confirmed that ticket purchase on XX/XX/2022. After that I try to call Bank of America again and representative try to switch to XXXX XXXX customer service. 
I also request to talk with the manager and my request completely ignore. 
Bank of America misleading the client to posted via XXXX false advertisement on instant credit and later fool around with client to avoid issue the credit. 
I want that the people avoid make a deal with Bank of America as dishonest partner.

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 2022-07-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT. THIS MATTER REMAINS UNRESOLVED One Main financial continues to report inaccuracies on my credit report which is a direct violation of the Fair Credit Reporting act. One Main has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A, section XXXX it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681XXXX XXXX XXXX XXXX XXXX XXXX ) states no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years 15 U.S.C 1681XXXX XXXX XXXX XXXX ( XXXX ) A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 USC 1666b A creditor may not treat a payment on an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation