vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-15 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: Self Financial Inc.
State: PA

Complaint narrative:
A charge made to my card in the amount of {$84.00} by XXXX on XX/XX/XXXX, which posted on XX/XX/XXXX, was refunded by the merchant on XX/XX/XXXX. The refund did not post to my account. I contacted XXXX to investigate the missing refund on XX/XX/XXXX. 

XXXX took 42 days to reply by letter on XX/XX/XXXX, saying that the charge was valid and was not refunded by the merchant. 

On XX/XX/XXXX, I sent by fax and certified first-class mail a letter contesting their conclusion, including a copy of the email from XXXX which confirmed the refund was issued. I wrote, in part, " I request a full written explanation of how you resolved to assert the merchant did not issue a refund, that the charge is valid and that no error had occurred in this instance. I also request copies of any and all documentation you have, whether used in your decision making process or not, regarding this case be mailed to my address. Finally, I request the contact information of the card processing bank ( the merchant bank ) used by XXXX so I may request documentation from them independently. 

Your resolution to this case is incorrect and I respectfully ask for you to review the matter again ... As your last time to reply was 42 days, and as this matter is of utmost urgency, I require a written response within 10 working days. '' As of XX/XX/XXXX, no response has been received, nor has a credit been issued for the absent refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Check to XXXX to pay balance was dated and sent XXXX XXXX. Payment was due on XXXX. The payment was written from my Title company directly to XXXX so I could not deposit and pay online, I had to send the check to XXXX which I did same day XXXX dot not credit my account until XX/XX/XXXX and they sent information to the credit bureaus reporting me 30 days past due, which I was not

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 2022-02-15 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: CA

Complaint narrative:
I have been disputing XXXX XXXX XXXX XXXX on my credit report and have not been getting through with the original creditor. I called the phone number listed for the company which is XXXX XXXX XXXX XXXX on 15 XXXX  2022. I called 3x before a lady that goes by XXXX XXXX answered the phone and said verbatim Call this number one more time and see what happens! And than proceeded to hang up on me very rudely. I attempted to call back but she sent me straight to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: CA

Complaint narrative:
I have been disputing XXXX XXXX XXXX XXXX on my credit report and have not been getting through with the original creditor. I called the phone number listed for the company which is ( XXXX ) XXXX on XXXX XX/XX/2022. I called 3x before a lady that goes by XXXX XXXX answered the phone and said verbatim Call this number one more time and see what happens! And than proceeded to hang up on me very rudely. I attempted to call back but she sent me straight to voicemail.

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 2022-02-15 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: MI

Complaint narrative:
I sent letters to the TransUnion Credit Bureau. The date of the last letter was on XX/XX/XXXX And now we are in the month of XX/XX/XXXX and still nothing has been heard from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 1. XXXX  XXXX XXXX Balance : {$0.00} 2. XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX. XXXX Date of inquiry XX/XX/XXXX 4. XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX Date of inquiry XX/XX/XXXX 6. XXXX Date of inquiry XX/XX/XXXX 7. XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX Date of inquiry XX/XX/XXXX XXXX. XXXX XXXX Date of inquiry10/01/2021 10. XXXX  Date of inquiryXXXX 11. XXXX XXXX Date of inquiry XX/XX/XXXX 12. XXXX XXXX Date of inquiryXXXX 13. XXXX XXXX Date of inquiry XX/XX/XXXX 14. XXXX Date of inquiry XX/XX/XXXX 15. XXXX XXXX  Date of inquiry 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 2022-02-15 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I used Thank You Points to purchase XXXX {$100.00} Sears gift cards from my CitiBank Sears Credit Card account. I received a confirmation email but the gift cards were never emailed to me. On XXXX XXXX, XXXX, I called company and after numerous attempts, I finally received XXXX emailed gift cards. 
On XXXX XXXX, XXXX, I made a {$7300.00} purchase at Sears and I attempted to use the gift cards, but only XXXX gift cards were valid and XXXX {$100.00} gift cards showed XXXX balance and I was unable to use those XXXX gift cards. 
On XXXX XXXX, XXXX, I again called Citibank Thank You Points ( XXXX ) XXXX and spoke with operator who said that I would be notified regarding this issue. 
As of XXXX XXXX, XXXX I have still not heard back from Citibank, so I called again and after being hung up on the phone XXXX times, I finally reached a supervisor who advised me to call Sears. I told the supervisor that I have searched the Sears website and there is no phone number listed. The supervisor told me to hang on the line while he called Sears, but he was also unable to find a phone number to call Sears. Sears does not list any contact phone number on their website.

I specifically used the Sears Citibank credit card to earn the " Thank You Points '' and I wanted to use the points to pay for a large purchase, but they emailed me gift cards that were not valid. 
I had been saving up the points earned because I intended to use for major appliance purchase and was unable to use them at the time of purchase. 
Attempting to contact Citibank Thank You Points is extremely XXXX especially when they continually hang up on me and I have to initiate another phone call, and repeatedly go through their cumbersome menu system in order to reach a live 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 2022-02-15 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 without 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 XXXX 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 XXXX 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 year old daughter PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-15 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: PA

Complaint narrative:
XXXX XXXX  XXXX {$760.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( XXXX ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( XXXX ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

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 2022-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX/XXXX  / XXXX / {$4800.00} XXXX XXXX  / XXXX / {$3600.00} XXXX XXXX  XXXX XXXX  XXXX XXXX  / XXXX {$2800.00} XXXX XXXX XXXX / XXXX / {$5000.00} 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 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 2022-02-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I paid off my mortgage two months ago. I have not received confirmation in the form of official documentation from the servicer. Several phone calls and email to the servicer revealed that no one seems to know what/if I am to receive anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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 without 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 XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX  That is a huge difference. transunion paints me as a XXXX. my XXXX 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 XXXX i made this clear for XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX XXXX and XXXX  That was after attempting to contact Transunion more than XXXX times. transunion is an XXXX 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 XXXX now im XXXX XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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 without 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 XXXX 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 XXXX 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 XXXX i made this clear for XXXX 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 XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX 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 XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been XXXXdays XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an XXXX 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 XXXX now XXXX homeless XXXX cant provide to my XXXX year old XXXX PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-15 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: MI

Complaint narrative:
I sent letter to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Balance : {$860.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$100.00} XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$790.00} XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XX/XX/XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$470.00} XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry 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 2022-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Hello CFPB, there are multiple fraud charges in my debit card going to XXXX, I dont use XXXX  at all. 

Fraud charges totaling over $ XXXX this is by no means a small amount of money to be losing. i went online and submitted a Regulation E claim with Wells Fargo. someone managed to steal my funds with stolen debit card. Some transactions are still pending so i cant file a claim for those yet but ALL XXXX  transactions in my account are FRAUD. 

Never had any issues with Wells Fargo before, its still my favorite banking experience so far! 

Claim Number : 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 2022-02-15 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: PA

Complaint narrative:
GRAIN TECHNO XXXX {$760.00} XXXX XXXX XXXX XXXX - Correction of billing errors ( B ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section XXXX ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than XXXX days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the 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 2022-02-15 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: NC

Complaint narrative:
On XX/XX/21 I submitted letters to XXXX and Transunion disputing accounts that were inaccurately reporting on my credit report. It has now been over XXXX days and I have not received a response or removal of the accounts. I am trying to purchase my first home and this is hindering my approval. Can someone please 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