vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am a victim of identity theft. I have filed numerous disputes with the credit bureaus. I have not received a response from the credit bureaus and it has been over 60 days.

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 2022-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XXXX of XXXX I opened and deposited {$100000.00} in a Citi Accelerate Saving Account at Citibank, subsequent deposits brought the account to today 's balance of {$140000.00}. On XX/XX/XXXX I attempted to access my account so I could transfer some funds to my checking account. After multiple attempts and 2 phone calls ( each waiting 2 to 3 hours ) I was informed that my account has been to deactivated because it had not been active in two years. I was informed that the account can only be reactivated by going to a Citibank location or writing Citibank Client services in XXXX XXXX. I live 267 miles from the closet Citbank branch in XXXX VA. 

Therefore I sent a certified letter to Citibank Client Services on XX/XX/XXXX. It was delivered on XX/XX/XXXX. I heard nothing. I called Citibank again ( two hr wait ) and was told that " being delivered and being received are different things :!!, they are sorry but write another letter. I called the manager at the XXXX branch who could do nothing to reactivate my account and said my letter needed to be notarized and I needed to use their form to request reactivation. He gave another number to request the form. Called that number ( only 1/2 hr wait this time ) and was told no form was necessary and send another letter to Client services. 

On Friday XXXX XXXX I sent a XXXX  envelope with a notarized letter requesting my account to be reactivated. The package was signed for on XX/XX/XXXX. I still have heard NOTHING. 

Please assist me in retrieving 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 monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: TX

Complaint narrative:
During the pandemic I missed a payment and entered forbearance. In XXXX I came out of forbearance and the company offered me a loan modification to get caught up with my missed payment! I made the three trial payments they required and now they are telling me I don't qualify and are trying to charge me late fees!

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 2022-01-22 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.

Complaint narrative:
I have filed numerous disputes with equifax in regarding them reporting inaccurate data on my credit file damaging my good name and they have ignored my request to fix the problem. Here are a few of my dispute that's gone unanswered XXXX dated XX/XX/21. Dispute XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. Those are a few of my many disputes. I spoke to many representatives of equifax they have Launched atleast four investigations and escalated my disputes numerous times and still nothing. It's almost like equifax doesn't even have communication with the creditors and they don't verify information they are posting to your file. I have attached proof for them to correct the inaccuracies and they ignore it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Please look into these fraudulent accounts on my report it has been months and these accounts have not been validated on my credit this has really cause a problem for me to get my house and car I have medical bills that are disclosing my medical history thats a hippa violation and I have not received any information as to how these accounts have been validated on 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 2022-01-22 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Please look into these fraudulent accounts on my report it has been months and these accounts have not been validated on my credit this has really cause a problem for me to get my house and car I have medical bills that are disclosing my medical history thats a hippa violation and I have not received any information as to how these accounts have been validated on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: GA

Complaint narrative:
On XX/XX/2021, my XXXX bank account was hacked. The scammers accessed several accounts and reversed payments from different merchants I paid in full. One of the payments that reversed was for a company called OPPloans. On XX/XX/XXXX, I called XXXX to change the {$390.00} reversal claim because it was fraudulent. XX/XX/2021, I contacted an Oppsloans representative named XXXX XXXX in the customer complaints department. Because I was charged for two loans, I called the bank to stop paying for the other loan I was waiting to clear through Visa. Five Months passed, I continued to check my bank and my Opploans account to see if it had been credited in any of the two versions. I filed a complaint with the consumer protection bureau against XXXX in XXXX. XXXX investigated my complaint and revealed that Opploans had been credited the money over 45 days ago, but my Opploans account remained the same. I am a long-time customer of OPPloans, and I feel mistreated. I wonder if they treat other customers in similar situations the same way. The way I am being treated is unethical and immoral.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CT

Complaint narrative:
Account had been in forbearance ( covid 19 ) and finally ended in XXXX. I then continued to make payment on my mortgage and in this time kept requesting resolution. We received paperwork but local bank notary advised us it was not legal in CT. After many calls still no resolution and all this time I have just kept paying the loan. Fast forward and on XX/XX/XXXX the company reported me 120+ days late on my mortgage but account says current? This dropped my credit score down over XXXX pts making it impossible to bounce back. I have contacted all 3 bureaus and mortgage company and they will not acknowledge it or escalate my claim that this is incorrect reporting information. Any help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HYUNDAI CAPITAL AMERICA
State: NY

Complaint narrative:
After repeated calls that went automatically to spam, I called back Kia/Hyundai finance at XXXX. I informed them that I have never owned a car, let alone a XXXX. I asked them to confirm that nothing was registered in my name. They confirmed this. I asked them to remove my number. They did this. Around 2 weeks later, they began calling me again. This debt is not in my name, associated with me in any way, is not part of identity theft or anything of the sort. They just won't stop calling me.

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 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
Dear CFPB, About the Telephone Company, XXXX & a new Credit Company called - " Affirm " - These 2 companies did adverse decisions- They said that I could not get the 0 % Interest Deals!

Then- they failed to provide an FCRA Adverse Decision Letter. 
I was expectingthat kind of letter - - explaining Y the adverse decision happened & what Credit Report was pulled & how the customercan get a copy of that report. 
They failed to send that. 
They wood not say what companies were pulled. 
Was it XXXX? 
XXXX? 
XXXX? 
XXXX? 
XXXX? 
Some other company??? 
And Affirm spammed me with advertising that tries to sell bad deals for pplwith bad credit! 

Also - Affirm did not give me a telephone number to contact Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Applying for a mortgage, and wells fargo is reporting a 30 day late payment on my HELOC, this IS NOT accurate, i made the payment on XX/XX/2021.

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 2022-01-22 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: UT

Complaint narrative:
I have notified Experian on XXXX different occasions to verify my XXXX XXXX XXXX as being accurate. There are multiple months that are being reported inaccurate across the XXXX credit reporting bureaus. XXXX could not verify the information within the first 30 days and subsequently deleted the Student Loans from their Report. XXXX couldn't verify the information within the first 30 days and subsequently updated the records to ALL MONTHS ON TIME. Experian after XXXX plus days continue to respond through their website correspondence with me after XXXX days " verification '' process that the reporting agency has verified information as being accurate? How is this possible that EXPERIAN is always the only Credit Bureau that MIRACULOUSLY pulls out of their magic hat a verification from every creditor that information is verified???!!!! I find that EXPERIAN falsifies their methods of verification due to being lazy as well as just lying to consumers! This has hurt my ability to obtain 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 2022-01-22 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: PA

Complaint narrative:
I have contacted Transunion Several times over the phone trying to get them to remove an unauthorized account from my consumer report XXXX XXXX XXXX Account ending in # XXXX. Dates contacted XX/XX/XXXX, XX/XX/XXXX, XXXX with no success. 
I am a consumer and per Title 15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. 
I never received anything from Transunion asking for my consent regarding this alleged account. 
Transunion has not been fair nor impartial for placing this alleged unauthorized account on my consumer report. 
The adverse information prevented me from gaining new employment in these grave times during this pandemic. IT'S NOT FAIR. I am a single mother doing the best I can and you have no RIGHT to place this unauthorized information in my report. 
Furthermore, I want my ENTIRE Credit File pursuant to Titel 15 USC 1681g ( ANY and ALL information that has been reported on me ). 
If you can not provide a contract between Transunion and I the Consumer REMOVE the XXXX  ACCOUNT IMMEDIATELY! As I am in the process of seeking legal action. This must stop!

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 2022-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I received a credit card from CitiBank in the mail on XX/XX/22 but I did not apply for it. It is listed as XXXX XXXX but my name is XXXX XXXX. I called customer service immediately but their automated system does not have a way to connect to anyone. I end up just putting in the account number of the card that was issued and canceled it. I also asked for an email receipt of the cancellation but I did not get it. I don't know if any charges occurred or not but I never activated the card so I am hoping not.

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 2022-01-22 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:
I mailed a dispute letter to the three credit reporting agencies ( XXXX, XXXX, Experian ) on XX/XX/2021. I asked the bureaus to delete XXXX accounts because of inaccurate information between the XXXX XXXX  Each bureau is reporting different dates for my date of first delinquency ( see attached dispute letter ). I received my dispute results back from each bureau stating that my disputed information came back verified ( see attached ) ; however I reviewed my XXXX credit reports after they verified and noticed the information did not change from my initial dispute reason with the different dates ( see attached credit reports ). I noticed that XXXX accounts was missing the notice of dispute from the accounts I was disputing. How is XXXX different dates from the same creditors to the bureaus accurate? How did the bureau verify false information? Why didnt the companies send the notice of dispute within 30 days? By law, they should delete inaccurate information within 30 days but yet the false reporting has continued to cause severe anguish and multiple failed opportunities to get approved for any type of credit. I need your assistance and ensure they delete unverified and inaccurate information from my credit report. 

Uploaded documents include 53 pages : Pages 1-2 : Dispute letter Pages 3-25 : XXXX credit reports highlighting inaccuracies Pages 26-29 : USPS tracking and receipt Pages 30-53 : XXXX credit reports showing no change and missing notice of 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 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX my car was broken into and my check book was stolen. On XX/XX/XXXX I was in a car accident where I was rear ended in traffic which resulted in a significant concussion which I am still dealing with the effects of. On XX/XX/XXXX, XXXX XXXX filled out check # XXXX from my checkbook for {$220.00}, forging my signature. XXXX total checks were filled out and deposited into back accounts at XXXX XXXX the dates, check numbers and amounts are : XX/XX/XXXX - XXXX - {$320.00}, XX/XX/XXXX - XXXX - {$420.00}, XX/XX/XXXX - XXXX - {$520.00}, XX/XX/XXXX - XXXX - {$200.00}, XX/XX/XXXX - XXXX - {$300.00}, XX/XX/XXXX - XXXX - {$400.00}, XX/XX/XXXX - XXXX - {$400.00}, XX/XX/XXXX - XXXX - {$570.00}. During this time frame I was under a doctors care, off from work, not allowed to look at screens ( I get paperless statements ). XX/XX/XXXX - While looking back through my account for a specific transaction I noticed several check numbers. I discovered XXXX total. I called Chase and made the initial claim. When I did discover the fraud XX/XX/XXXX - I updated my police report with XXXX Police. Closed my account with Chase and opened a new one. They said that my new debit card would be at my house in about a week. XX/XX/XXXX - I called Chase for an update. They said that it was still ongoing. 
XX/XX/XXXX - I arrived home and there was no new debit card. XX/XX/XXXX - I called Chase for an update on my claim and they said it was ongoing. I asked about my debit card and was told that a new one was never sent out. I called XXXX Police and later that day a detective reached out. XX/XX/XXXX - I emailed the detective the pictures of the fraudulent checks. XX/XX/XXXX - I received an email saying that my claim was denied because the the time frame from the fraud to when I discovered and reported it was too long as stated in the " Deposit Account Agreement '', however the agreement states, " You must notify us in writing of any unauthorized, improper or missing endorsements within six months after the account statement is mailed or made available. '' Which I did. Check fraud over {$2000.00} is a Class 6 Felony in Colorado, where I live and I was a victim of a crime that also happened when I was suffering from another hardship. The XXXX Police Department is also doing a horrible job at investigating this. I have pictures of the checks because they were mobile deposits and I was able to see them on my account and print out copies. I can provide those if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 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 — Card was charged for something you did not purchase with the card
Company: Incomm Holdings Inc.
State: NC

Complaint narrative:
There was a XXXX charge on vanilla gift card I did not make. They are refusing to credit me and impossible too deal with. This was done 2 days ago. XXXXXXXX XXXX. I never heard of that company

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo sold my grad student loan to XXXX XXXX. There was no notification regarding total loss of options to refinance, consolidate or payoff as agreed in original promissory note. No lenders are willing to refinance-Wells Fargo XXXX XXXX. Accumulated to XXXX interest on a XXXX loan. This is unacceptable banking practice, unethical, immoral and unjust. The arrangements of transfer from W. Fargo to XXXX, ignored banking regulations, a documented agreement and global public trust. There are many others impacted by Wells Fargo 's lack of integrity and deception, viewable in online conversations. 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 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: NV

Complaint narrative:
I ordered a product with free shipping. The shipper XXXX  XXXX tried to collect an additional XXXX from myself after. In XXXX I got a collection Letter from XXXX XXXX XXXX and filed the exact complaint asking for proof I am responsible for shipment. They only send me a document I received the shipment. Now I am in receipt of another collection letter only from Receivable Management Services. The letter I got from them states there was 3 pages but i only got 2, I am asking for validation on the originating documents that I agreed to pay. XXXX XXXX nor XXXX provided them to me. 

I am resubmitting this complaint as you directed it to the wrong company. Complaint number XXXX was incorrectly sent to Receivable Management Inc in XXXX Texas . This complaint is directed to Receivable Management Services-Recovery Division LLC in XXXX, MN who I sent a certified demand too.

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