vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-22 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: KS

Complaint narrative:
i was invlove in a card accident this the only reason why i wasn't to manage my payments for the month of XXXX and this Month XXXX that is why i am requesting and have requested if the XXXXate payment mark on my account can be removed. You can view my credit report i have never been late on this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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:
I have XXXX fraudulent charges. 

XXXX ) XXXX XXXX credit card : A charge in the amount of {$570.00} was made on my XXXX XXXX card at their XXXX, IL store. I notified XXXX XXXX on XX/XX/23 and received a letter dated XX/XX/23 via email concerning the fraudulent charge. The letter states an investigation is ongoing and will be notified in writing of the results. XXXX  IL is about XXXX miles from my home in XXXX, IL and I have never visited this location. I closed the account on XX/XX/23. 

XXXX ) I pulled up my credit history via XXXX credit services on XX/XX/23 and noticed a charge from XXXX XXXX XXXX XXXX in the amount of {$1100.00}. They advised the account was opened on XX/XX/23 but could not tell me where the charge was made. They do not have an open account with my name associated with an account. I cancelled the so called account with charges and advised they are fraudulent on XX/XX/23. They will send me a letter and I asked their their fraud protection personnel call me to discuss where the charges were made.

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 2023-06-22 00:00:00
Product: Student loan — Private student loan
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: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: KY

Complaint narrative:
I have an XXXX account with Optum Bank. Optum bank maintains an expense history that I can reimburse fully or partially from. Their bank has recently broken the ability to partially reimburse an expense and their agents have said they can't do anything until the back office responds by email. This is a problem since I have a payment plan for an orthodontic bill. 

I'm needing reimbursed from my XXXX as the partial payments are due. When I tried to do a partial reimbursement, as I have in the past, I discovered the Optum bank app has been changed and they've removed historical expense management from the XXXX app. Trying to use the website, the functionality for partial payments is broken ( I've previously only used the XXXX app for this function ). 

I reached out to Optum 's technical support by phone and they acknowledged the functionality is broken on the website and missing from the app. The only solution they offered me was to wait for an email from their back office and they were unable to help me on the phone. This means that I can't issue a partial payment for an existing expense due to their system breakage. I attempted to escalate the problem with a supervisor but have not received an acceptable response- they said they would notify the back office of my feedback and said that's the best they can do. 

As a bank, being able to withdraw funds to issue payments is critical. I'm currently unable to do so due to their website & app issues. No such functionality is offered by the bank via the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: LA

Complaint narrative:
XXXX XXXX ( XXXX ) fraudulently obtained a contract from me. My husband and I attended a seminar with XXXX about the purchase of a Timeshare. After the presentation I told the salesman that I was not interested in purchasing a timeshare. My husband on the other hand stated he did want to purchase the timeshare. My salesman stated that the contact would be in my husband name only. He stated I had to sign the contract because we were married. This timeshare was never on my credit when the payments were being made, and now since my husband wants out of the timeshare they are now reporting this information to the credit bureau. I did not authorize this contract. The company fabricated the things that you could actually do with a Timeshare. This company has been reported multiple times to the XXXX XXXX XXXX  for some of the same reason. I have reached out to this company multiple times to try to resolve this matter. Their response is only to pay thousands of dollars to them and even then I will still be in a contract that I did not consent to. I have attached a copy of my FTC report, proof of identity, proof of address and a dispute letter. Thanks for helping with this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Accounts opened under name and social in the state of Florida, flag for fraud as these accounts do not belong to me. Personal information compromised due to theft/Home robbery.

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 2023-06-22 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: FL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: CA

Complaint narrative:
On XX/XX/XXXX I reached out to Experian, XXXX, and XXXX about errors on my credit. I did not receive any correspondence and i had tracking on my letters, and they were received on XX/XX/XXXX and XX/XX/XXXX. There are late payments on a loan with XXXX XXXX that is inaccurate. I was never late with them. There are late payments on a XXXX XXXX XXXX account from XX/XX/XXXX that is also not accurate. They are reporting false late payments, which hurts me financially because my credit score is lower than it should be. Both of these creditors told me that I have to fix this incorrect information with the bureaus. However, I am being completely ignored.

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 2023-06-22 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: KY

Complaint narrative:
I received a notice from XXXX about an collection being added to my credit report. 
After lookin into the account I called the company and the companies rep could not find the account that was placed on my file to match my ssn. 

Company reporting the false account : XXXX XXXX CO XXXX Representative I spoke with " XXXX '' Reps direct phone number at XXXX XXXX XXXX This is not my account, please delete as my rights are being violated under the credit laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: KY

Complaint narrative:
I received a notice from Experian about an collection being added to my credit report. 
After lookin into the account I called the company and the companies rep could not find the account that was placed on my file to match my ssn. 

Company reporting the false account : XXXX XXXXXXXX XXXX XXXXXXXX Representative I spoke with " XXXX '' Reps direct phone number at XXXX XXXX XXXX This is not my account, please delete as my rights are being violated under the credit laws.

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 2023-06-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: American Financial Network Inc.
State: MO

Complaint narrative:
We closed on our loan with AFN on XXXX XXXX, 2023 and the 1st payment was due on XX/XX/XXXX. On XX/XX/XXXX, we received an email from our home insurance company that they received notice to change the loan servicer to XXXX XXXX Prior to this email from our insurance company, we were not notified that our loan had been transferred as required by law. 

When I called AFN on XX/XX/XXXX, I was told that it was transferred to XXXX XXXX Mortgage and given a Loan Number ( but still was not given a transfer date or copy of letter ). XXXX XXXX XXXX  disputes that they purchased this loan. I spoke to our insurance company again and they confirmed that they received notification from AFN that it was transferred to XXXX XXXX ( I have a copy of that letter ). XXXX Mortgage also disputes that they purchased this loan. I spoke to XXXX XXXX on XX/XX/XXXX & XXXX, and their records indicate that it was transferred to XXXX XXXX XXXX XXXX. 

I spoke to AFN again on XX/XX/XXXX and finally gave me a Transfer Date of XX/XX/XXXX and was told a letter was mailed on XX/XX/XXXX ( we never received ). I requested a copy of the original letter with the XX/XX/XXXX mailing and was emailed a copy showing a date of XX/XX/XXXX ( same day I requested ). 

Our payment is still showing a Due Date of XX/XX/2023 but all parties have told me not to send payment as they have no record of holding the loan. I still have no clue who the actual loan servicer is since everyone has given us a different company and nobody has record of servicing the loan!!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: KS

Complaint narrative:
i was invlove in a card accident this the only reason why i wasn't to manage my payments for the month of XXXX and this Month XXXX that is why i am requesting and have requested if the Late payment mark on my account can be removed. You can view my credit report i have never been late on this account

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 2023-06-22 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is regarding a complaint I have submitted before this XXXX and this is the complaint ID : XXXX I was told that the company which is Wells Fargo XXXX XXXX working to resolve my issue which is absolutely not true. 

Wells Fargo representative called and told me that they cant see to fix or help with my case and he hang out immediately not letting me explain or even see whats going on. 

My issue was back in XX/XX/2022 my parents bought me an XXXX  and XXXX  XXXX from XXXX XXXX and charge was XXXX total and they used my caro to do so. At the same month I returned the items because I didn't like them and I wanted to use the money to treat mom and dad for vecation. Mom returned my items and XXXX XXXX employees told her you should get your money with in couple of days. It was on Friday so weekend make it take longer than usual. Couple of days passed and still I havnt received my money. 
Contacted XXXX XXXX and told me oh there was an error, please contact your bank and see what's going on. I contacted wells. Wells Fargo messed my accounts, first they did it under fraud. Then they changed it a month later to dispute then back to fraud then back to dispute. It's been XXXX  months and I got a letter saying my dispute is denied. I been a customer for over 20 years. 
Never ever had a bad experience like this. I want my money back and I don't know what to do. 
Wells Fargo not helping, XXXX XXXX saying contact your bank and my bank telling me to contact XXXX XXXX Please help me out

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 2023-06-22 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: TX

Complaint narrative:
Transunion has failed to remove the XXXX XXXX XXXX XXXX from my credit report when I have notified them that this company has failed to verify this account and provide the requested XXXX form along with other documentation. Please send how you were able to verify this account or remove this from my credit report. You are the only credit bureau reporting this inaccurate information and I am liable for monetary damages if you can not provide how you are reporting this information as accurate when the company could not verify the account. Please see the attached letter that was mailed to the company over a month ago which is dated and time stamped.

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 2023-06-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
I have opened an Apple Card which is ran by Goldman Sachs. I attempted to make a purchase for my fiance 's engagement ring as we'll be going on a trip to Oregon soon, so I can propose. My card transaction was declined on XX/XX/2023. I only know that because the vendor contacted me telling me the card was declined. Goldman Sachs did not make any attempt to notify me of the declined transaction through any means. 

I texted the customer service line via XXXX on XX/XX/2023, they told me the account was under investigation and could not provide any details, only that indeed, the credit card transaction was declined. 

I then contacted customer service via phone on the same day, XX/XX/2023 and asked about the transaction. I was told the same thing, the account is under investigation and they can't give me details. 

I was not told why was my card declined, why was I never notified that the transaction was declined, why and what am I under " investigation '' for, and why am unable to use the credit card at all now, until this " investigation '' is " closed ''. 

They also told me the " investigation '' may take 10 days, but it may be less or it may be more, which provides absolutely 0 useful information. 

I basically received a hard credit inquiry to open up a credit card that I can not use, and I receive absolutely 0 communication from the bank that I opened it through. There seems to be exactly 0 accountability on the part of Goldman Sachs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Inquiry Removal Letter : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX XXXX Experian RE : remove unauthorized inquiries, After recently reviewing my credit report, I noticed unauthorized credit inquiries. I did NOT authorize the following inquiries listed below. These were not obtained with my consent. Please delete immediately. 

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 XXXX Please remove these erroneous items IMMEDIATELY and send me an updated copy of my credit report. 
Thank you, 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 2023-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
My company XXXX XXXX XXXX has business checking account XXXX with US Bank. I had incoming transfer on XX/XX/2023 in amount of {$15000.00}. This amount appear on my account only on XX/XX/2023 and then I received email from US Bank that " Your deposit of {$15000.00} is complete. '' ( attached ). 

Next day when I log in in my account this amount was disappeared. I called 2 times on phone numbers XXXX, XXXX and spoke with US Bank representatives but they didn't help with this at all. Last representative told me " I didn't see that transfer ''. 

I ask bank to return my money.

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 2023-06-22 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove the following accounts from my credit report!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 2023-06-22 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XX/XX/XXXXXXXX Please remove the following accounts from my credit report! 

XXXX XXXXXX/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 2023-06-22 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: TN

Complaint narrative:
I have attached a letter to confirm the reason of my complaint along with my identification.

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 2023-06-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Harnessing phone calls. Almost 30 attempts in one day which has increased since I submitted my previous claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22 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: MI

Complaint narrative:
im trying to dispute 2 items on my credit report, fraudulent XXXX XXXX and the one 30 day late on my XXXXXXXX XXXX mortgage account.. Experian will not open a dispute because is was previously disputed im trying to provide them with documentation such as my police report and FTC report they will not investigate my claims.. Experian is the worst company to deal with all the employees are overseas probably stealing our info and selling it Also including XXXX and XXXX in this, these need to be removed as well from my credit file thanks for your 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 explanation