vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Since XX/XX/XXXX I have been disputing with the bureaus inquiries that I never approved of and obviously did not obtain credit for. The bureaus did not delete the inquiries nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of the bureaus, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Since XX/XX/XXXX I have been disputing with the bureaus inquiries that I never approved of and obviously did not obtain credit for. The bureaus did not delete the inquiries nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of the bureaus, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

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 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
Since XX/XX/XXXX I have been disputing with the bureaus inquiries that I never approved of and obviously did not obtain credit for. The bureaus did not delete the inquiries nor did they respond within the 30-day timeframe that they are supposed to respond in. On XX/XX/XXXX I sent another letter to each of the bureaus, demanding they delete the inquiries that I did not authorize. Today is now XX/XX/XXXX and I still have absolutely nothing. No investigation was undertaken, no verification was made, and no response was sent. I have a legal right to all these things and the bureaus have a legal responsibility to respond to my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: Chime Financial Inc
State: NY

Complaint narrative:
Contact Chime via their in-app dispute to advise that I hadnt received an item purchased on my secured credit card. They refused to open a dispute in violation of TiLA and FCBA. I requested the address for billing errors and they will not be provide it. Have explained that not receiving goods purchased using the card is a merchant and billing error. The company is routinely failing to open disputes for myself and many others according to CFPB complaint database. Regulatory review is necessary here, we are under a new administration which values consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
on XX/XX/21 XXXX {$790.00} was deposited into my cash app from XXXX ( XXXX XXXX on XX/XX/21 XXXX {$700.00} was tooken by XXXX ( I did not make transaction ) on XX/XX/21 XXXX {$94.00} ( the remainder ) was tooken by XXXX ( I did not make transaction ) my cashtag $ is $ XXXX An unidentified/unauthorized email was connected to my profile ( XXXX XXXX An unidentified/unauthorized number was connected to my profile ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I applied with Comenity through XXXX XXXX to for a credit card. There was a promo offer that offered up to 15 % off of your purchase or {$50.00}, the lesser. I was buying a product that was about {$550.00} and it made sense to take the hard inquiry The terms clearly showed the rewards benefit of the general purpose visa offer or the private label in store only card. I selected the XXXX option, as the rewards outside of XXXX XXXX along with the instore benefit of the purchase seemed a good exchange for the hard inquiry on my bureau. 

I went through the origination process, and was granted the in store private label card, not visa general purpose visa, a credit limit of {$1000.00}, and the higher rate in the risk based pricing schema ( two price points, XXXX and XXXX ). I was not given the visa, nor was I presented with the reason codes for not getting the visa or the highest rate ( risk based pricing notification ). 

My credit profile as of the time of application was clearly Super Prime : FICO XXXX XXXX XXXX XXXX XXXX Income ( self reported XXXX per year ) DTI ( including housing ) = 11 % ( my mortgage is my only debt and it is approximately 1360/mo ) I attempted to contact Comenity several times to get clarity on the matter and was not successful getting to the correct party and was regularly disconnected. I will write a letter to their dispute and complaint office now, reference this complaint and email them as well. This is ludicrous and if my profile is not worthy of the lowest rate highest limit product they offer, they are advertising a product that fewer than 1 % of American 's will qualify for. A true bait and switch concern. 

Please see attached for credit history images for both XXXX ( from XXXX XXXX and FICO XXXX from XXXX XXXX to substantiate my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CHS, Inc.
State: VA

Complaint narrative:
I was sent a letter that XXXX was closing and the bills would be sent to XXXX XXXX XXXX. So I waited for a bill to pay because if they are closing how do I pay. 
Instead of it being sent to XXXX XXXX XXXX  it is sent to collections without notice. I can not get any one from XXXX on the phone after weeks of calling no one answers. I had called XXXX to pay the bill and set up payment and they said it was never sent to them. 
Sca credit services refused to send it to XXXX XXXX XXXX  and claim they never heard of such a thing.also then called XXXX they said I have to set it up online but then I told the guy I dont have a statement to set up the act and he said to Contact XXXX  but no one ever answers So this is nuts. If they dont want my money I cant even do anything about it because they are closed ... the bill is not with XXXX  and I will never send a dime to a collection agency that is attempting to hold onto my bill through extortion and fraud means.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Due to job loss, my husband and I were unable to pay our credit card minimum balances. My husband was recently hired for new job and we were able to get current on our cards. We asked that the late payments be removed and that the credit card be updated to " Paid As Agreed '' on our credit reports. They declined to help us due to the Fair Credit Reporting Act. However, only five years ago, we went through similar hardship, made a similar request, and it was granted. We want the late payments removed from his credit report as well as the accounts to be updated to paid as agreed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: MI

Complaint narrative:
XX/XX/2021 - I applied for a mortgage with Loan Depot - Talked to XXXX XXXX NMLS # XXXX and XXXX XXXX. I requested a loan estimate many times and was finally refused one until I agreed to move forward with Loan Depot alone. I have emails to prove it and will forward them upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
on XX/XX/2020, I mailed a letter about inaccurate accounts on my credit report. It has been three months and I still haven't received a response.

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 2021-03-03 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My vehicle was damaged when I placed it on third party app called XXXX. XXXX 's renter nearly totaled the vehicle and abandoned it 77 miles away from my home. XXXX was completely useless for the first 2 months and did not assist me or even start a claim with their insurance until my car was repossessed, due to impound fees. XXXX tried to fraudulently claim that my vehicle was stolen while rented by their driver, but the driver was actually involved in 2 accidents that day, not just the one resulting in $ XXXX in damages and the abandonment of my property. My good credit was ruined because XXXX XXXX reported it as a repossession, eventhough there were no late payments on the account. I had even contacted XXXX XXXX a month prior to the repossession and was told that as long as I continued to make my payments on time, that they would not get involved. This was a complete lie because now my credit has been ruined with this negative account reporting to public records. I feel very taken advantage of in this situation. XXXX intentionally waited to open claim with their insurance because they always intended to claim the car as theft. XXXX XXXX was made aware of the situation and lied by stating that they weren't going to repossess it because they had no right to so long as the payments 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 2021-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
My complaint is with PayPal who advertise BUYER PROTECTION. I purchased items that came to me " not as described '' and after many attempts to resolve the issue with merchant ( details attached ) I filed a dispute with PayPal. I left message after message for someone from PayPal to call me or text me but they never did. I do not believe they read my messages because they sided with the merchant and did not return my money.The company that I purchased from was Minisweater and on the PayPal statement was best-deal and email was XXXX MY letter to PayPal The items that I purchased and received were not as described. They were 6 sizes smaller than their size chart showed. Example a XXL was like a size 2. The quality of the fabric was not as described. I am sending copies of some of the many email attempts to work out a return and I just keep getting the same computer-generated auto responses. To send an order # and pictures of the items. I did this many times. The latest surprise is that they want me to mail merchandise to a warehouse in XXXX which would cost near {$100.00}. Then they would review and afterward they would send a refund. It seems like a major scam. 
I believed this company was in the United States like they advertised, and that shipping would be as promised, then to find out they are in XXXX. 
Their website and email address are now shut down. 
I am again sending pictures of a measured shirt that is tagged XXL.

REVIEWS IN THE LAST FEW WEEKS THE SAME AS MY COMPLAINT. 
XXXX XXXX | Read Customer Service Reviews of ...

XXXX review minisweater 1 ) This company is a scam they will not ship your order nor refund your money! they will send a tracking number which will never be anything other than a created label according to the USPS! Do NOT buy from this company! XX/XX/2021 2 ) Horrible quality and missing items : Took over a month to receive. Very poor quality. Items missing from order though it states they were all delivered. Very thin material and horribly sewn. 
3 ) Awful Company : This is a XXXX company ; they took months to send the shirts I ordered. When 2 of them came they were 4 sizes too small.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am a victim of high capacity data breach in 2015. The thief was able to take my information as well as millions on others and sell it over the dark web and this resulted to attempts at my credit without my permission and the home loan from XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
- in XX/XX/2020, I called Carrington Mortgage to notify them of my impending home sale to close on XX/XX/2020 but I had a mortgage payment due on XX/XX/2020. 
- they told me they would cancel the XX/XX/2020 auto payment and allow my Escrow to pay the full mortgage amount. 
- unfortunately, the buyers had to delay the close by 1 week due to repairs to the septic system thus when the home finally closed, my payment was placed in delinquent status and reported onto my credit report. 

- I have called repeated times to Carrington Mortgage and have written to their Claims department but they have rejected my pleas.

- I was never afforded a 30 day leeway to resolve this issue. 
- I have never missed a mortgage payment in 10 years with Carrington Mortgage.

- My credit score plummeted and I need to get a loan to pay bills due to Covid19 pandemic. PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have inncorect inquires on my credit report that are were not authorized. They have negativitly affected my credit report. Below are the unauthorized inquires. 

EXPERIAN XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX/XXXX  XX/XX/XXXX XXXX/XXXX  XX/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 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: MONEY SOURCE, INC., THE
State: MN

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
on XX/XX/2020, I mailed a letter about inaccurate accounts on my credit report. It has been three months and I still haven't received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
My Chase United Card ending XXXX notified me in XX/XX/2020 I had a delayed payment due. I logged in my online account, noted the delay, and was notified in my online account that my account was closed and I need to pay any outstanding balance. 
SO on XX/XX/2020 I payed the entire remining amount on my account of XXXX to bring this closed account to XXXX balance. I then destroyed my card. 

Last month on noticing my credit score go down, due to delayed credit card payment I went back to check my current and prior accounts - I noticed since XX/XX/2020, I was being charged interest and delayed fees on my closed and completely paid account. NO email, letter or notification of any kind was sent - delayed payment fees was continuously being charged. Having the account closed and paid off and with no notification, there was no reason for me to know I had an outstanding delayed balance. 

Since then I have repaid the outstanding illegitimately charged interest and delayed fees ( charged without any notification ) and verbally confirmed ( representative XXXX and XXXX XXXX ) that my account is definitely closed and there are no outstanding interest charges. 

Chase has behaved improperly collecting interest and late fees without notification so I was not aware of outstanding payments which further affected my credit score significantly. When accounts are closed and payed in full Chase fails to disclose that and keeps charging fees - this practice should not affect customers of hundreds of dollars and more importantly affect their credit scores due to unknowing " late payment '' as customers are not being notified

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
The account with XXXX XXXX Mastercard was closed without prior notice on XX/XX/2021 due to account inactivity and XXXX balance. When attempting to contact XXXX XXXX Mastercard XXXX I was prompted to enter the last 4 digits of my Social Security number. The automated system detected my account was closed and said they could not open an account once it was closed and the call was disconnected. Not no option to speak to a customer service rep or anything. 

This closing of an account due to inactivity hurt the consumer. They have lowered my available credit, therefore, lowering my credit score. They lowered my history of accounts that have been open, the account has been open for over 7 years, therefore lowering my credit score. Not sending some sort of 30-day notice prior to closing the account would be better than sending notification of the account is closed. Since the balance is {$0.00} I could have attempted to use it only to be denied because the notification was sent to the online portal. I know the account has a XXXX balance and have no reason to check the balance beforehand so I never saw " the account is closed '' letter. 

For them to have the ability to close my account when the account was in good standing and I suffer the results is not fair to the consumer. This practice needs to stop. I have had this happen on other occasions and the work and time it takes to build up your credit score back to what it was before the account was closed should not fall to the consumer only.

Company response to consumer: Closed with explanation