vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, XXXX and equifax i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2021-12-17 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original XXXX : XXXX XXXXXXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-12-17 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: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of XXXX XXXX XXXX XXXX XXXX. My information was also affected by the Equifax AND THE XXXX XXXX breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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
Consumer complaint received 2021-12-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: MS

Complaint narrative:
I put in a dispute with Capital One for a charge of {$1600.00} that I paid for on XX/XX/XXXX for a house rental for myself and 10 other family members on XX/XX/XXXX- XX/XX/XXXX. This dispute is for the sanitary of the house that we had to go to in order to know the condition of the house. I felt that the condition of the house we be above average, especially with COVID-19 now in our society. I provided them with pictures and a detailed statement of the condition of the house. I was advised that I did not provide enough evidence, and my case had been closed. I asked what other evidence I could provide, they did not have any suggestions and told me to contact the property owner again, to see if she could assist me. They advised me of a {$200.00} and {$1000.00} credit that was given back to me and I explained the {$1000.00} was the initial deposit just in case anything got broken that was refundable and the {$200.00} was for the septic system that was not in the house description that backed up in all the sinks, toilets, bathtubs and showers that we could not use for 24 hours. Also, that issue was not included in the dispute details.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
CITI bank confirm sit closed my CIT-AA account on XXXX and a COMPLTE freeze of my account. 
but the account was opened multiple times fradultenly XX/XX/XXXX and XX/XX/XXXX -- all got closed latest XXXX another card was issued and i never got it but for charges they call me all are Fraud charges and they are asking me to make minimum payments

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 2021-12-17 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: TX

Complaint narrative:
On XX/XX/2021 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 XXXX 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 explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I pre-purchased the car at XXXX XXXX XXXX on XX/XX/2021 and my signed my portion of the documents that day. My cosigner came to the dealership on XX/XX/2021 or XX/XX/2021 to complete their portion of the finance documents. My cosigner was first given someone else 's finance documents to sign then when realizing the issue, they notified the finance person working with them. The correct documents then were signed, and no copy of the finance documents were given to the cosigner. I went to pick-up the car around XX/XX/2021 when it was delivered to the dealership. I only received a one-page document for the registration for the car. I asked for my copy of the finance documents and was told they sent a copy with my cosigner. I left the dealership and contacted my cosigner who confirmed not receiving the documents. I've myself called requesting a copy when I started to get letters wanting to extend my warranty from the same company, I purchased warranty from when financing my car. My cosigner has also called requesting the documents and the person in the finance department was rude and pretty much told us we missed placed them. I made sure they had correct mailing address for cosigner and myself, and I still have not received a copy of my finance documents. I want a copy of my documents to confirm everything is correct.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 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: TX

Complaint narrative:
Hello so on XXXX/XXXX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2021-12-17 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: TX

Complaint narrative:
Hello so on XXXX/XXXX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX XXXX XXXX XXXX. My information was also affected by the XXXX AND THE XXXX XXXX breach and may have gotten into the wrong hands.

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 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
WHILE I WAS AWAY XXXX MY TIME IN THE XXXX XXXX XXXX SOMEONE STOLE MY IDENITY. I HAVE NEVER FILED XXXX  BEFORE! I REALLY DON'T HAVE A REASON TO BECAUSE THE XXXX PAYS ME WELL. TRANSUNION WILL NOT REMOVE THIS FRAUDULENT ACCOUNT FROM MY CREDIT FILE. I AM TRYING TO REFINANCE MY {$300000.00} HOME BUT THE LENDER ID GIVING ME A HARD TIME BECAUSE OF THIS. PLEASE HELP ME GET THIS ISSUE RESOLVED.

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 2021-12-17 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Hello my name is XXXX XXXX XXXX. Formerly, XXXX XXXX. I have a private loan with Navient set to auto deduct from my XXXX account. I have attempted for over 20 days now to log into my account, to no avail. I just spent over XXXX hours on the phone with Navient on hold, having to repeat my new email address XXXX XXXX  times to customer service agent XXXX, and then to speak with his supervisor XXXX with whom I had to repeat my email address to XXXX. They say that they have an address for me that I can not verify? They also report that they don't have an email address on file for me either. I can not log in to change my banking information and they are trying to autodeduct my payment causing unnecessary overdrafts but will not allow me to login to my account and change my banking information. I type in my social security number, and my dob and they can not verify it. They need to STOP auto debiting my account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
After solving my former problems regarding the accurate monthly payment amount and learning that the monthly payment due was {$960.00} I set up auto pay in XXXX of XXXX and was told that the first deduction will take place on XX/XX/XXXX. I mailed the XXXX payment and I called the bank at the end of XXXX to make sure the autopay was properly set for the amount of {$960.00}. I was told by Autopay customer service that everything was fine and that the amount of {$960.00} will be deducted on XX/XX/XXXX. XXXX. 

When I checked my bank statement on XX/XX/XXXX I realized that instead of the regular monthly payment of {$960.00}, Fifth Third Bank Autopay had bill my account for {$1900.00}. I am enclosing a picture of the screen showing the deduction of {$960.00} for the monthly payment plus {$940.00} labeled " curtailment '' I never agreed to a " curtailment '' payment on top of my monthly payment. This deduction is placing me in as situation XXXX XXXX for the rest of the month. I have been trying to talk to 5/3 bank for the last two hours. The Autopay department never took the call after holding 20 mts, the Dispute department told me they could not do anything about this and referred the call supposedly to the mortgage department. I have been on hold for more than one hour and have not been able to talk to anyone. 

I want the {$940.00} curtailment payment back into my account. If Fifth Third Bank is unable to keep is commitment and promises to bill only for the monthly payment due, I will be forced cancel this feature. 

I am more than fed up with Fifth Third Bank. It seems that every month I have to experience some type of fraudulent behavior or am subjected to some type of XXXX XXXX that always ends up with me losing and they trying to take money that they are not supposed to take. Again, I need the curtailment money they took right now. For XXXX 's sake, it is XXXX and have lots of bills to pay!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I have been promised that my card points can we used to book the tickets but I am try to book my tickets since last 1 year and I am not able to book any tickets, they are fooling me and I am starting cumulating the point without any use of those points. I have complained to American Express multiple time and I have replied no solution from them but only false promises to resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
CRASHED MY CAR WITH FULL COVERAGE AND THE DAMAGE WAS MORE THAN WHAT THE CAR WAS WORTH. I HAD GAP INSURANCE INVOLVED ( XXXX XXXX XXXX XXXX ) WHO LEFT ME WITH A {$2000.00} BALANCE THAT I SHOULDN'T HAVE HAD TOO PAY IF I HAD GAP INSURANCE. I NEED HELP BECAUSE ITS MESSING UP MY CREDIT

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 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
XXXX XXXX sent {$3000.00} from XXXX XXXX for or through XXXX XXXX. XXXX XXXX had me send money to him through other people and now the have stole {$2000.00} from my personal bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
1. In XX/XX/2021 a verbal request was made to modify my loan in accordance with the Cares Act. The agency failed act or acknowledge. 
2. In XX/XX/2021 a verbal request was made to modify my loan in accordance with the Cares Act. The agency failed act or acknowledge. 
3. XX/XX/2021 the loan modification process started and I was notified that the process took 45 days to date no action has been taken by Freedom Mortgage.

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 2021-12-17 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
Unauthorized inquiries own my 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 2021-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I receive numerous calls for someone with a similar name. Today, I received 61 calls between XXXX XXXX XXXX. No voicemail was left

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My credit card was used to purchase many items, including cash without my permission or knowledge XX/XX/XXXX {$57.00} XX/XX/XXXX {$54.00} XX/XX/XXXX {$14.00} XXXX {$54.00} XXXX XXXX  XXXX XXXX XXXX {$54.00} XXXX {$100.00} XXXX  XXXX {$100.00} XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$31.00}, {$100.00}, {$72.00} XXXX  {$10.00} XXXX XXXX  XX/XX/XXXX {$51.00} XXXX {$10.00} XX/XX/XXXX {$100.00} XXXX  {$10.00} XXXX XX/XX/XXXX {$4.00} XX/XX/XXXX {$12.00} XXXX {$2.00}

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 monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
On XX/XX/21, USAA put a hold on our checking account. We have been unable to access our account since. Today is XX/XX/21. We have over {$2000.00} in that account that we need to pay bills, use for everyday living, and prepare for XXXX. We are having to go into the negative on a different account and pay multiple insufficient fund fees because we can't access our USAA account. We have called USAA every day this week and have waited 2+ hours each day trying to speak to a real person. This totals over 15 hours on hold just this week, and we still haven't spoken to someone who can resolve this for us. We have spoken to a couple of people who say they can't help but will transfer us ; then we are back on hold for multiple hours. As I write this, we are still on hold and have been waiting for over 4 hours today alone!! This situation angers us to no end as we head into XXXX and the XXXX XXXX. How are we supposed to pay for everything when we have no access to our money?? We need IMMEDIATE help to get to our money!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17 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: PA

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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