vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-03 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: MD

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I requested validation and verification of an item being reported by a collection agency. They have failed to provide the requested items in my dispute letter to validate this debt. The first letter was sent certified mail and they received it on XX/XX/22. They replied with a generate response of " they verified '' the debt is mine so another letter was sent, certified, to them on XX/XX/22 and they received it on XX/XX/22. Per Federal Trade Commission 's guidelines, no proper debt validation has been provided.

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 2022-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: NY

Complaint narrative:
TO WHOM IT MAY CONCERN, I HAVE DISCOVERED THERE IS UNAUTHORIZED INFORMATION IN MY NAME BEING USED ON MY CREDIT REPORT. I BELIEVE I MAY BE A VICTIM OF IDENTITY THEFT. I HAVE UPLOADED AFFIDAVIT FROM FTC REPORT # XXXX, PLEASE INVESTIGATE THESE MATTERS AND REMOVE / DELETE THIS ACCOUNT FROM MY REPORT. ACCORDING TO THE FAIR DEBT COLLECTION PRACTICES ACT BELOW IS A LIST OF LAWS THAT HAVE BEEN VIOLATED, 15 USC 1681 C 2 15 USC 1681 B ( A ) ( 2 ) 15 USC 1681 A ( K ) ( III ) 15 USC 1681 ( A ) ( 4 ) 15 USC 1692 D ( 1 )

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 2022-03-03 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: AZ

Complaint narrative:
I have several inquiries on my XXXX profile that I dont recognize or authorize and trying to get them removed per the Fair Credit Report Act. Ive called the credit bureau and was told to submit a report here. Here are a list of accounts and dates these inquiries were reported on my profile XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX US Bus Admin XX/XX/XXXX I also have a fraud alert on my credit profile as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: MD

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the 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 non-monetary relief
Consumer complaint received 2022-03-03 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: MD

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the 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 non-monetary relief
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the 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 non-monetary relief
Consumer complaint received 2022-03-03 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: CA

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the 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 non-monetary relief
Consumer complaint received 2022-03-03 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: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I changed the online bill pay system 's account to pay from on a Chase Car Loan. The old account that it was going to pull from was an account that was being closed because of a recent divorce. The account did not have enough money to cover the cost of the car payment. For some reason, the payment went through the old account and not the new one. Because of this the old account went negative ; now, when my exwife and I are trying to close the account, we owe money to the bank. I called Chase and was asked if I'd like to reverse the loan payment and make a new one. When I said yes, I was transferred to " XXXX ''. XXXX told me that there is nothing he can do. I asked if he was able to verify that the old account is no longer associated with the car loan in any way. He verified that to be the case. He acknowledged the account that the funds should have come from. But, in the end, he told me that there is nothing they could do. He admitted that the money did not come from the correct account. When I asked to speak to a supervisor, he informed me that he is the supervisor. I asked to speak to his supervisor and he told me that I can't. I'm not sure how this is acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
On XX/XX/2022, I have received an email from XXXX stating that my Apple Card payment was due that day. I visited my XXXX app and clicked on the Apple Card. There I saw I have credits on my Card Balance showing exactly + {$120.00} on the left side of the screen, and on the right side for payment, it said precisely " Nothing to Pay '' and " You have nothing to pay right now. '' with a large checkmark on the bottom-right corner. On XX/XX/2022, I got another email from the same email address saying, " As of XX/XX/2022, your account is 2 day ( s ) past due. Your past due balance of {$34.00} is due immediately. ". Hence, I started a live chat via Messages app connected with an Apple Card specialist ; I explained I had credit in my Card Balance and got the emails, so I sent the screenshots and asked why my account was past due anyway? The first agent said it was late ; they were closing the chat and chat back by the next day, so until the next day on XX/XX/2022, I started chatting again and again with many agents, one of them said to pay {$34.00}, so I paid {$34.00} via chat, and I asked why that amount and I shouldn't be paying? The agent couldn't answer my question but instead said, " Have a great rest of your day. We're here if you need help with anything else in the future. '' chat disconnected. The following agent again disconnected, then the next one transferred me to the manager and finally recognized my issue. Hence, they " escalated '' the problem, and it takes 5-10 days for someone from the " Customer Advocacy team . '' to contact me, which I strongly doubt will happen. I've had this issue before ; they didn't do anything about it. The issue was I got credits in XXXX XXXX, then Apple Card still punishes me for past due on my account with possible late fees and interest charges if I did not pay. When a live agent doesn't know an answer, they don't treat me as a customer and easily disconnect the chat as a click without any help to transfer me to someone else who might know the answer. In general, Apple chat agents have been rude, and most of the time, they did not treat me as a customer while I spent thousands of dollars for their products and services. I do not know why I paid {$34.00} and what the {$34.00} is for even all Apple Card specialists and supervisors don't know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: TN

Complaint narrative:
I used Zelle to send {$300.00} to someone and the recipient never received it. Prior to speaking to the custimer service rep with Zelle it was pending after hanging up it showed complete. He remoted into my phone and said it was software related and installed XXXX app. Then he tried to transfer money from XXXX to 3 people that he said was his manager. At this point he I stopped him and asked what he was doing and he said give me a minute while I send a {$1.00} transfer to my manager. He asked me to login to my credit union account then he moved {$200.00} from saving to checking to send to XXXX XXXX. I told him no more just refund the pending wire transfer. He said he would need to send his manager the {$300.00} from Zelle then she would refund it. I hung up at this point. The money is no longer pending and they said it went to XXXX XXXX Bank but it did not. The money was transferred XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 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: NY

Complaint narrative:
There are several concerns noted in your report 1. Time is missing after XX/XX/XXXX. I only had IP address. 
2. When you reviewed the transactions, it doesn't make any sense. On XX/XX/XXXX, I was in XXXX  in the morning, then XXXX  during lunch, then XXXX  in the afternoon. I came back to XXXX  in the evening..Another example, I was XXXX XXXX ( XXXX  XXXX at XXXX on XX/XX/XXXX. Then I went to XXXX ( XXXX  ) at XXXX. Even with flights, I won't be able to fly between XXXX in 20 min. Another example, I was XXXX ( XXXX  ) at XXXX AM on XX/XX/XXXX. Then I went to XXXX ( XXXX  ) at XXXX on the same day. Even with rockets, I I won't be able to fly between XXXX in XXXX min. 
3. Based on those log in information, it looks like a main fraudster ( my fraudster boyfriend ) control the account. While others reviewing and monitoring the account. The account is comprised for sure and multiple people can log into it. Otherwise it can not provide any reasonable explanations the movement of the log in locations varies in such a short time. 
4. One more piece. I have witness ( my landlord and my co-worker ) to show where I am during your claimed location ( IP address ). I never traveled in 5 locations in 20 days in XXXX. 

Also I was a Wachovia customer before and my account was merged into WF in XXXX. So I want you to provide me a history of my account log in activities in the past couple of years. Since I wasn't sure how long your record can last for. So if you can find any history, I'm really appreciated. Also I want to review the log in after I reported the fraud. Do I log into the account in such high frequency? 

I've provided a copy of the arbitration claims. Please consider your evidence and the circumstance.

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 2022-03-03 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: Selene Holdings LLC
State: FL

Complaint narrative:
This letter is regarding credit report entries which are not being reported as required by Federal and State laws on my personal credit report account under SELENE FINANCE for account # XXXX on XXXX, XXXX, and XXXX credit bureaus. 
On or around XX/XX/XXXX, the credit report scores belonging to my husband and I, dropped XXXX points because previous servicer, XXXX, closed our home loan account with the credit bureaus. We were notified by the previous servicer, XXXX, that Selene Finance would be the new servicer on our loan. We have made payments to Selene Finance since XX/XX/XXXX, and they have not reported any activity on our credit report. 
In addition, we have contacted Selene Finance for the following three other issues regarding the servicing of our loan : 1. The loan amount since XX/XX/XXXX is incorrect according to a letter from the previous servicer. 
2. Selene Finance is collecting money for home insurance in the monthly escrow payments but has refused to pay the company who we selected for our homeowners insurance. We received an email that the company is going to cancel the insurance if they do not receive payment. 
3. We have not received an escrow disclosure form from Selene Finance. 
As a direct result of the closing of the loan from the previous servicer and Selene Finance not reporting our current payments for the last 3 months, we have been financially harmed with a higher insurance premium on our auto and homeowners insurance policies. In addition, we have been unable to refinance our home loan with another bank because the payments are not reflected accurately on our credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TN

Complaint narrative:
Requested mortgage forbearance for my mortgage because my family was affected by XXXX XXXXXXXX, I am unemployed my wife is our sole provider currently, my son need XXXXXXXX XXXX for the XXXX XXXX XXXX XXXX because of XXXX from having XXXX. I was approved for a forbearance. I requested additional time to recover from loss of income but was denied assistance. Requested mortgage assistance, submitted financials and requested documents. Citizens Mortgage, Citizen mortgage has not worked with me to assist me with keeping my home instead I have received a foreclosure notice for my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capital Accounts, LLC
State: CA

Complaint narrative:
I received a call from this debt collector and was told I owed a person money. I requested they send proof. I received something Word document. I dont ever recall owing this individual anything. They can not produce proof but a piece of paper with my name and someone elses signature. They cant even verify my social security number. 

I now have a collection on my credit report from this company. I need help to clear this as it has a negative impact on my score.

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 2022-03-03 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 have filed a dispute in regards to incorrect items on my credit report. It has been over 30 days and I have not received any investigation results.

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 2022-03-03 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: AL

Complaint narrative:
I disputed the unverified, unvalidated, and inaccurate XXXX XXXX Credit Card numerous of time most recent XX/XX/2022. The account keep coming back verified with none of the requested information provided i.e. original contract or correction in inaccurate and incomplete payment history. I have exercise my rights according to the FCRA.

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 2022-03-03 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I didnt approve of this transaction that was made by the cashier!

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