vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
XXXX XX/XX/2022 I filed an Experian credit dispute requesting Bank XXXX XXXX provide documentation validating the reported debt on my credit report. Bank XXXX XXXX failed to respond to me or provide the requested documents to Experian. 

Experian Failed to investigate, and came back a week later with no investigation or resolution and closed the dispute. 


Experian refused to process a 2nd and 3rd dispute request on the issue. Bank XXXX XXXX 's failure to provide documents to validate the claim being reported. Experian failed to investigate the claim.

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 2022-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Loan cosigner talked with Navient to pay off the loan they are associated with. Total amount due for sending in payment was {$5400.00}. Navient only applied {$4900.00} to loan. Unknown where other money was applied. Navient shows this loan still has a balance of {$260.00}. Navient owes cosigner {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My XXXX XXXX XXXX has a virtual account wallet with PNC and I am the custodian. On XX/XX/XXXX, three separate money transfers through XXXX were done to XXXX XXXX. One for {$150.00}, {$170.00} and {$200.00}, wiping the account clean. I disputed this with PNC and they referred me to XXXX. After an hour hold time, my son spoke to XXXX and answered their questions, I wanted to talk to them to fully understand the process and they told me they couldn't talk to me since I wasn't the primary on the account. I then went to a PNC branch and they told me I have to deal with XXXX, since they are a third party and that you generally don't get your money back on these types of situations. My son didn't give his user ID or password out to anyone and he doesn't know a XXXX XXXX. PNC should protect fraud on accounts and if they choose to utilize XXXX, that should be part of their responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX, IL XXXX on XX/XX/2022 because they reported my account as delinquent/pass due. My account is paid in full and because of this my credit score has dropped XXXX points. After contacting them and verifying that the account was paid in full and was not past due I was told to contact the 3 major credit bureaus for them to change the information.

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 2022-08-16 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX, IL XXXX on XX/XX/2022 because they reported my account as delinquent/pass due. My account is paid in full and because of this my credit score has dropped XXXX points. After contacting them and verifying that the account was paid in full and was not past due I was told to contact the 3 major credit bureaus for them to change the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: IL

Complaint narrative:
I contacted XXXX XXXX XXXX, XXXX XXXX XXXX, # XXXX XXXX, IL XXXX on XX/XX/2022 because they reported my account as delinquent/pass due. My account is paid in full and because of this my credit score has dropped XXXX points. After contacting them and verifying that the account was paid in full and was not past due I was told to contact the 3 major credit bureaus for them to change the information.

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 2022-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Grain Technology, Inc.
State: GA

Complaint narrative:
I have been trying to get in contact with Grain since XX/XX/22 about their app malfunctioning. I have tried contacting them via their app form : https : //graincustomersupport.zendesk.com/hc/en-us/requests/new and via the phone listed on the billing statement XXXX with no success. When I contact them via https : //graincustomersupport.zendesk.com/hc/en-us/requests/new, I receive a message stating : Hey, thanks for reaching out to us! : ) We got your request. This is an auto-response, but we promise a real person will respond to you soon. Our average response is around two business days but in periods of higher volume, it may be longer. 
In the meantime, check out our support page for FAQs here - https : //trygrain.com/support/. 

Which Ive never received a response from a live person. I have my account set on auto-pay which a minimum payment suppose to be withdrawn from my account monthly. On grain the app it stating the account need to be reconnected, but when I click reconnect the button is not clickable. I even trying paying the minimum payment manual with no success, because the pay button is not clickable. Now my on-time payment ratio has dropped from 100 % to 91. 67 % which is incorrect due to the app is malfunctioning and this couldve been avoided if grain had adequate customer support and technical support.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: CT

Complaint narrative:
On XX/XX/XXXX I deposited a check into my chime account from XXXX XXXX 's and then moved to a different City... 
The check was for XXXX On XX/XX/XXXX at XXXX I got an email from my chime account saying the check was paid twice and they took the money out of my account making it negative ... 5 months later ... How? If someone found my physical check and tried to cash it when I moved, how is MY ACCOUNT penalized... 
I have sent chime screenshots of the only deposit on my end and they confirmed that they only see 1 deposit on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: The Star Financial
State: IN

Complaint narrative:
On XX/XX/22 i tried to deposit am check from XXXX XXXX XXXX XXXX for {$860.00} into my Star financial account. Being saturday afternoon @ XXXX i tried depositing in atm wouldn't let me. @ XXXX i tried another one with same results. 
Som i decided to go to my other bank. XXXX XXXX XXXX XXXX I was able to deposit the check at there ATM. The problem is i used the Star Financial debt Card. I keep checking XXXX account to see when money had cleared. On tuesday the nineth I spoke to customer service XXXX. They figured out i Used Star Financial card instead of XXXX card. I checked Star Financial account, They told me it was on debt card but couldn't put it in checking account. In just got of phone with Star financial same story they blame XXXX hasn't released money. 
XXXX has been on phone with me about everyday with this i don't believe they are holding money. 
I am having XXXX tuesday and will be laid up for a couple of months i needed this money yesterday. 
Please let me know if there is anything you can do

Company response to consumer: Untimely response
Consumer complaint received 2022-08-16 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: FL

Complaint narrative:
i traded my lease to purchase a new car back in XXXX,,, before anything could happen i had dealership pay off my lease,,, so i called XXXX XXXX XXXX XXXX who had my lease and requested the payoff and the dealership paid it in a check... 
1 month later i get a bill in the mail for additional fees for the lease,,, but i had already paid them with the payoff of the lease, but i did pay it... 
on my XXXX  credit report is showing i paid this lease 8 months late, so i disputed this with XXXX saying i never paid XXXX months and sent a copy of check dealership sent XXXX... 
i already took a awful hit on my credit XXXX XXXX years ago, and now experian is hitting my credit score again!!!

i have disputed this on this site 2 other times, when will this be behind me after all these years!!! 

thx

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 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
i traded my lease to purchase a new car back in XXXX,,, before anything could happen i had dealership pay off my lease,,, so i called XXXX XXXX XXXX XXXX who had my lease and requested the payoff and the dealership paid it in a check... 
1 month later i get a bill in the mail for additional fees for the lease,,, but i had already paid them with the payoff of the lease, but i did pay it... 
on my XXXX  credit report is showing i paid this lease XXXX  months late, so i disputed this with XXXX  saying i never paid XXXX  months and sent a copy of check dealership sent XXXX... 
i already took a awful hit on my credit XXXX XXXX years ago, and now XXXX  is hitting my credit score again!!! 
i have disputed this on this site 2 other times, when will this be behind me after all these years!!! 

thx

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: FL

Complaint narrative:
i traded my lease to purchase a new car back in XXXX,,, before anything could happen i had dealership pay off my lease,,, so i called XXXX XXXX XXXX XXXX who had my lease and requested the payoff and the dealership paid it in a check... 
1 month later i get a bill in the mail for additional fees for the lease,,, but i had already paid them with the payoff of the lease, but i did pay it... 
on my XXXX  credit report is showing i paid this lease XXXX  months late, so i disputed this with XXXX  saying i never paid XXXX  months and sent a copy of check dealership sent XXXX... 
i already took a awful hit on my credit XXXX XXXX years ago, and now experian is hitting my credit score again!!!

i have disputed this on this site 2 other times, when will this be behind me after all these years!!!

thx

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 2022-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: WLCC
State: CO

Complaint narrative:
I have sent numerous emails to Explore Credit revoking my XXXX authorization. They continue to pull funds every two weeks. I have contacted my bank to block future transactions and also dispute the most current transaction. 

When I revoked my XXXX authorization they stopped pulling by using my bank account and routing number, but then began making XXXX withdrawals using my bank debit card. I have revoked authorization on both. When I asked for them to confirm they received my email to revoke the XXXX authorization, I received an email from " XXXX '' on XX/XX/2022 confirming they received my requested. 

To date, they have made automatic withdrawals TWO additional times since " XXXX '' responded. 

I may have to close my bank account and cancel my debit card if this continues, all because this company continues to break the law. If they are doing this to me - I know they are doing it to others. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 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: NY

Complaint narrative:
On XX/XX/2022 I sent multiple disputes to the consumer reporting agencies. I have found numerous accounts that are incorrect & inaccurate on my consumer report it is now over 60 days since I received any response from all 3 reporting agencies. On XX/XX/2022 i also sent a demand to comply letter. This is now in violation of my consumer right and this has caused me hardship for me and my kids!

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 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: VA

Complaint narrative:
On XX/XX/2022, money was sent to me, over the pay anyone option that Chime offers. It is supposed to send an SMS link to a phone number, rather then sending to a Chime account, my phone number was used for {$3000.00}. There was a confirmation asking do you want to send to the phone number, but there was NOTHING showing that there was a chime account that it would be sent too. It was not to be sent to a chime account, that's why pay anyone, off chime, was selected. So my phone number did not receive the SMS, someone else 's chime account, who was using my phone number without my knowledge received my payment automatically. I called to dispute this unauthorized payment immediately. To be denied in less then 24 hours. I have sent more then enough evidence to show that this was an unauthorized payment to whoever received it. I attempted a rebuttal, to be denied again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Transworld Systems Inc. attempted to collect a debt ( electricity bill ) from me on XX/XX/2022. No phone calls were made, no voicemails were left, and no signature confirmation delivery was made to my home address. As a result, I did not know I had a debt until my credit score was attacked. I attempted to dispute this matter with Transworld Systems and with XXXX, but to no avail. The XXXX dispute result ( see attached ) recommended I dispute with Transworld Systems directly. Transworld Systems told me that they do not do derogatory mark deletion and that I need to contact a professional service to do so. I believe that this was a very unfair attempt at collecting a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
For the last 6 months, I have attempted to resolve the innaccurate information that's showing on my credit report profile with this bureau. I have not received any relevant information regarding why these items are still on my credit report. 

I have sent letters, called and there's been absolutely no response and these items are still not removed off of 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 2022-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My business mailed a check to XXXX XXXX ( Check XXXX, mailed XX/XX/XXXX, cleared account XX/XX/XXXX ) but XXXX XXXX has no record of having received it. This was discovered by our bookkeeper. We contacted XXXX XXXX who investigated and determined no such check was received by them and closed the inquiry. We contacted our bank, XXXX XXXX Bank to assist and find out who negotiated this check. Our bank determined that check was negotiated at XXXX XXXX XXXX in XXXX XXXX On XX/XX/XXXX, a dispute for an altered misuse of check affidavit was submitted through my bank, XXXX XXXX Bank XXXX ( I have asked my bank for a copy of the dispute that as submitted but have not yet been provided with the copy but the attached email string confirms it was received and submitted to XXXX XXXX  XXXX ) .The check amount was {$9000.00} and is submitted herewith ( my bank does not provide me with the bank of the check ). 

XXXX XXXX Bank has told me that XXXX XXXX XXXXXXXX told them it would take 3-10 weeks to respond to the dispute. I have followed up weekly with my bank to get a status from XXXX XXXXXXXX XXXX. Each time, I am told that XXXX XXXX XXXXXXXX 's response is the same ( pending ) and that there is no live person in their operations department to talk with. I have asked my bank for copies of correspondence with XXXX XXXX XXXXXXXX and/or contact information at XXXX XXXX XXXXXXXX and each time told that this information can not be released to me. I have attached the email chain with my bank about this matter.

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 2022-08-16 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX EXPERIAN XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern : I recently received a copy of my Experian credit report, And I noticed some late payments posted on my credit report XXXX XXXX ..ACCT : XXXX late payment XXXX XXXX XXXX  ACCT : XXXX late payments XXXXXXXX XXXX XXXX  ACCT : XXXX XXXX late payments XXXX. XXXX XXXX XXXX BANK ACCT : XXXX late payment XXXX. XXXX XXXX ACCT : XXXX late payment XXXX. XXXX XXXX XXXX late payment XXXX XXXX XXXX XXXX  ACCT : XXXX late payments XXXX. XXXX XXXX XXXX XXXX ACCT : XXXX late payment XXXX XXXX XXXX ACCT : XXXX late payments XXXX. XXXX XXXX ACCT : XXXX. XXXX late payments XXXX XXXX XXXX XXXX ACCT : XXXX late payment Your company is in clear violation of the law. Under 15 U.S. Code 1681b - Permissible purposes of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give u written instructions to furnish these accounts on my credit report?

Furthermore, The FAIR CREDIT REPORTING ACT 15 U.S.C 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer report clearly states : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above LATE PAYMENTS from my consumer report, this agency is in violation of 15 U.S. Code 1681 Failure to respond satisfactorily with deletion of the above referenced accounts, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement Of Identity Fraud 3. Fair Debt Collection Practices Act 15 U.S. Code 1692g violations 4. Fair Credit Reporting Act 15 U.S. Code 1681 violations for willful noncompliance - 616. Civil Liability for willful noncompliance [ 15 U.S.C1681n Best Regards, XXXX 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 2022-08-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigated but how is that possible the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This grounds for removal they also violated my rights under XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A section XXXX : is also states a consumer reporting agency can not furnish an account without my written instructions. 




XXXXXXXX XXXX  XXXX XXXX inquiries XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation