vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 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: LA

Complaint narrative:
On XX/XX/2021, I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the XXXX you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2022-01-12 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: CLGF Holdco 1, LLC
State: HI

Complaint narrative:
I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. If this type of information can not be equipped, make sure to erase the item in question immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: GA

Complaint narrative:
I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT, AND IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT 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 explanation
Consumer complaint received 2022-01-12 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: TX

Complaint narrative:
On XX/XX/2022, I was at home in XXXX, TX when I received an email from Chime that my bank account ATM withdrawal limit had been met for the day as someone was in XXXX, NY withdrawing funds. When I opened my Chime app for further investigation I saw that someone withdrew {$2900.00} from my account. Confused because I had the card on me I immediately called chime to dispute the transactions. They told me I had to wait for the transaction to post before I could dispute them and proceeded to assist with cancelling my card and issuing me a new one. Two days later on XX/XX/XXXX they said they found no error and closed my dispute. I uploaded a receipt from a purchase on XX/XX/XXXX in XXXX texas at XXXX as evidence that I could not have withdrawn money from an ATM in XXXX NY when I was clearly in XXXX XXXX TX and again they denied my dispute. I have called countless times to reach a competent person to assist in refunding my funds but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section XXXX ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my XXXX XXXX : XXXX XXXX {$0.00} XXXX {$14000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
Even though I was making regular payments to my Lowe 's Pro account as I am a XXXX for remodel work, my account was cancelled without any explaination. I was expected to keep paying on the account with no further use of it. In addition to this my wife and I had a regular Lowe 's consumer card with a $ XXXX credit limit. During our personal home renovation project we were working on a home refinance and paid the regular Lowe 's consumer card off, around $ XXXX. Right after this payment bringing our account to a zero balance, Lowe 's and or Synchrony Bank decided to close our account. Then they reported our account as late even though they cashed the large payoff. This pushed us to work out a set monthly amount to be paid on the Lowe 's Pro card that was no longer active. They offered us {$29.00} a month, 0 % interest and no additional fees or late reports would be done. This is the second month they stated we were late ( even with the letter they sent us about the agreement ) we have to call in every month. They are reporting the payment as late even though we are set up for automatic deductions from our bank account. I called in today to request a settlement so we can be done with this company and not have to worry about late reports and such anymore. The manager played games and stated maybe one day a letter will be sent out. I again requested a settlement. My settlement offer was to pay for half of my bill ( due to my wife closing her hair salon during XXXX ) so we could be done. They refused to work anything out with me and then hung up.

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Rep advise me that i can get a deferral on the acct to XXXX XXXX, advised the rep that i would like that option, still paid the acct when i received the funds, tried to fix with creditor, she advised she could do anything, she did state she seen when i talked to both reps prior to my next due date, i never been late on this acct or had this problem until i contracted 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 2022-01-12 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: BUSEY BANK
State: IL

Complaint narrative:
Thursday, XX/XX/XXXX I became a XXXX XXXX on XXXX XXXX and resigned with them on XX/XX/XXXX. I signed up believing the jewelry was lead and nickel free. They sold all of the pieces and accessories under false " fraudulent '' claims. I bought into the company under FALSE PRETENSES. I have attached pictures to this claim. The first one is from the website. The other pictures are from a lab where they tested several pieces of XXXX XXXX. This lab has never heard of this company and has been in business since XXXX. 
XXXX XXXX XXXXXXXX joined this conversation XXXX XXXX XXXX, IL Customer Care Advisor Hello! Thank you for reaching out. My name is XXXX and I'll be happy to help you! 
XXXX, I apologize for the inconvenience you have experienced with XXXX XXXX. Please let us know if there is anything we can do. 
XXXX XXXX XXXX I was wanting to know what steps I need to take. I have documents to back my claim up on these charges. From them changing the website and the lab results showing there is lead and nickel in the jewelry. I have contacted the company on their XXXX  program. This is their response consultants whose account has already been canceled, do not qualify to initiate a Buyback. 
XXXXXXXX XXXX Saturday, XX/XX/XXXX XXXX, if they are charges to your debit card, we can complete a merchant dispute. I do want to let you know our merchant disputes can take up to 120 days. With the merchant dispute there is a form that needs to be completed as well. ( edited ) XXXX XXXX XXXX  Sunday, XX/XX/XXXX Yes, these were all done with my debit card. I will gladly fill out the merchant dispute. 
XXXX XXXX Monday, XX/XX/XXXX I reviewed your account and see the transactions go back to XX/XX/XXXX, we wouldn't be able to dispute all of the transactions. When I spoke to our cards team they said we can dispute the last 90 days however. 
XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I applied in my bank to consolidate two credit cards. One is mine and the other other one is from my partner. We paid off the credit cards together due the fact the we both are working to refi our home. Capital One in XXXX cashed both check and only paid off one credit card. I submitted a claim and sent all the information provided by my bank and they are unwilling to process my claim and paid off the second credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I purchased something and paid via XXXX  XXXX. I still to this day do not have the product and the bank wont go back to the company to get my money back.

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 2022-01-12 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: AL

Complaint narrative:
I recently noticed some mistakes in my credit report. On XX/XX/2021 I mailed dispute letters to all three credit bureaus ( XXXX, XXXX, and Transunion ) asking them to investigate and verify two negative collections accounts ( XXXX and XXXX XXXX  ). Two weeks later, on XX/XX/2021 I mailed a second letter in because I noticed some unauthorized inquiries on my account also. Not only did they not respond within the 30 day period for the disputes I sent on XX/XX/2021 when I finally received results from the credit bureaus on XX/XX/2021 the accounts came back as verified after I included all the inaccuracies the collection companies were reporting between the three bureaus. I was not satisfied with their investigation, so I contacted the collections agencies asking them to validate that the debt belongs to me. Neither the credit bureaus nor the collection agencies provided me with verifiable proof and signatures to show that the accounts belong to me. They have ignored my disputes and failed to provide me with the proper paperwork to show ownership. These derogatory accounts have caused me tremendous hardship in accessing credit, loans, and employment opportunities in a time when it's already hard enough with what's going on.

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 2022-01-12 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: AL

Complaint narrative:
I recently noticed some mistakes in my credit report. On XX/XX/2021 I mailed dispute letters to all three credit bureaus ( XXXX, Equifax, and XXXX ) asking them to investigate and verify two negative collections accounts ( XXXXXXXX XXXX XXXX XXXX  ). Two weeks later, on XX/XX/2021 I mailed a second letter in because I noticed some unauthorized inquiries on my account also. Not only did they not respond within the 30 day period for the disputes I sent on XX/XX/2021 when I finally received results from the credit bureaus on XX/XX/2021 the accounts came back as verified after I included all the inaccuracies the collection companies were reporting between the three bureaus. I was not satisfied with their investigation, so I contacted the collections agencies asking them to validate that the debt belongs to me. Neither the credit bureaus nor the collection agencies provided me with verifiable proof and signatures to show that the accounts belong to me. They have ignored my disputes and failed to provide me with the proper paperwork to show ownership. These derogatory accounts have caused me tremendous hardship in accessing credit, loans, and employment opportunities in a time when it's already hard enough with what's going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
According to Wells Fargo my " account originated as a XXXX, adjustable rate Pick-A-Payment account. The loan closed in accordance with the proper regulations and guidelines in place at the time of origination. The account was properly evaluated and a loan modification was approved for the account. '' The problem with that response is that I was repeatedly denied a loan modification that would allow me to keep my home while making mortgage payments within my means. Wells Fargo as no shame or bears no responsibility for the destructive Pick-A-Payment loans, which have since been deemed illegal loans, that they've upheld then and now as regulatory and fair loans. All of which are lies as they've been caught again and again violating peoples court ordered rights.

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 2022-01-12 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
According to Wells Fargo my " account originated as a 30-year, adjustable rate Pick-A-Payment account. The loan closed in accordance with the proper regulations and guidelines in place at the time of origination. The account was properly evaluated and a loan modification was approved for the account. '' The problem with that response is that I was repeatedly denied a loan modification that would allow me to keep my home while making mortgage payments within my means. Wells Fargo as no shame or bears no responsibility for the destructive Pick-A-Payment loans, which have since been deemed illegal loans, that they've upheld then and now as regulatory and fair loans. All of which are lies as they've been caught again and again violating peoples court ordered rights.

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 2022-01-12 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: NJ

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

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 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
I am reaching out to you today because I am having issues with my loan that have gone on for five months. My loan modification was completed and my payments were to resume on XX/XX/XXXX. I made my first payment for XXXX on the XXXX, it was six days late because your online system was down, and my 2nd payment on XX/XX/XXXX. Around mid XXXX I was informed that my loan was 60 days past due. When I called to clear up the issue, it was discovered that my payments had been allocated to XXXX. I was told that this issue would be fixed and my payments would resume. 
As of today, XX/XX/XXXX, this has not been fixed. I have been unable to make payments because my account does not reflect the proper amounts due or dates. I have called Loan Care around 15 times and have received at least 10 calls from loan care. The end result of all calls is that I am instructed to wait until the problem is corrected and then resume the payments, but the problem is never corrected. 
I have requested that the harassment regarding my payments stop, since the only thing preventing me from making payments on time are mistakes on your end. But the opposite has occurred. I have gotten collection calls and notifications by mail that I am delinquent. When I called to express my concerns, I was told, on a recorded line by a Loan Care employee, that these letters and phone calls were intended to be threatening. And as I understand it, this is inappropriate behavior at best. I am currently unable to make my payments because Loan Care has still not resolved issues with my loan, yet they continue to call and harass me for payments as though I am deliquent. They have pressed me to make payments over the phone on several occasions, even though the account does not reflect the proper payments, dates and totals.

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 2022-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: DISCOVER BANK
State: NY

Complaint narrative:
RE : Dispute Case Number : XXXX. 
Merchant Name : XXXX XXXX XXXX Dispute Amount : {$1700.00} Discover Representative from Dispute Department assured me if I was able to upload letter from Expert showing that XXXX Chair I received is *not* real leather then I would " get my money back from Discover ''. I followed the instructions yet Discover did not provide me a refund nor any fair resolution to the dispute process. Attached are Fascismile and electronic communications to Discover that were ignored by Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: VA

Complaint narrative:
Transworld System Inc by way of XXXX XXXX. I have contacted the original account holder and informed them that the account was fraud and provided them with documents showing that I lived in public housing from XXXX and did not require utility services. I have provided written documents stating that I have never given permission for my name to be used in any account with the original debtor therefore making any debt with the collector invalid.

Company response to consumer: Closed with explanation