vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
this loan from XXXX reported as XXXX on my credit reports is not belong to me i never apply for this loan i need it to be remove from my credit reports

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 2022-03-21 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: NC

Complaint narrative:
On XX/XX/22 I submitted letters to XXXX, XXXX and Transunion disputing accounts that were on my credit report that were not accurate. It has now been over 30 days and I have not received a response as of yet. I am trying to leverage my credit to build my business and this is slowing my process.

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 2022-03-21 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: TX

Complaint narrative:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not 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 non-monetary relief
Consumer complaint received 2022-03-21 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My credit card with Citi has been blocked multiple times within a month. 


Last time the card was blocked when I tried to do purchase at the supermarket via chip payment on the card. I have tried to reach out to the fraud department of Citi multiple times each time the fraud depart has trouble authorizing me. 
- They asked phone number on the account but that was not good for verification. 
- They promised to send me a link for recovery over email - I never received one. 
- They asked to provide another phone number - that was not good for them too. 
- They asked me to provide a person at my job to verify my identity. 

Sharing my personal information is 3rd party is against the Gramm-Leach-Bliley Act.

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 2022-03-21 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: SC

Complaint narrative:
I requested on XX/XX/2022 that the three credit buearus provide information on how they verfied certain items on my credit report that I feel to be inaccurate. They have to respond. It has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Lending Club Corp
State: IL

Complaint narrative:
I have followed the account creation process per LendingClub.com and their staff. 

There is an error. I am unable to finish account creation, nor able to sign-in. No one is able to resolve this via email or the basic levels of customer support. 

I've been told a ticket has been submitted to resolve the issue. I currently do not have a way, online, to pay my installment via LendingClub, which is a digital bank. 

I've also been told that when the ticket is resolved and the account creation issue is resolved, I will not be provided with an update. Follow-up is being put upon me. 

Each call takes between 20-30 minutes of time. Each person I speak to is increasingly non-committal and unwilling to provide any clarity, nor any specifics as to when the issue will be resolved and their next steps, beyond asking me to continually check in with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
My Name is XXXX XXXX XXXX i am from XXXX Mn My Bank Wells Fargo i was XXXX frad on XXXX XXXX  i called right away they sent me about 20 Letters saying they cant help me.i was I also went into my personal bank in XXXX after my husband and i got back from trip ' the lady was very understanding that i was ripped off {$3800.00} Dollars From ( XXXX XXXX XXXX Phone number XXXX My bank keeps telling me they cant really say if ill get my money back or not. 
Are Banks protected by this and required 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 monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
I requested a payoff on our mortgage with select portfolio services attorney, XXXX XXXX. I left a message with her on XX/XX/XXXX. She did not return my call for over a week. When she did finally return my call I requested a payoff letter. As of todays date, XX/XX/XXXX I have yet to receive that payoff. We have had our house on the market and had an offer and a contract on it. That contract fell through because we could not get a payoff from select portfolio services and the buyer cancelled. I have requested a payoff letter XXXX times. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. By phone and by email. They have cost us the sale of our home to avoid the foreclosure that is set to take place on XX/XX/XXXX. We are still in the process of trying to sell our home prior to the foreclosure date but without this payoff we can not. We are still in the process of trying to sell our home prior to the foreclosure date but without this payoff we can not sell as we dont have the payoff in writing. They are costing us a sale to avoid foreclosure. If we had the payoff in a good amount of time we could avoid the foreclosure. With the looming date less than XXXX days away it may be impossible to get a closing by XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Since late XXXX to early XXXX I've been stressed completely due to the lack of diligence on XXXX end with my information being in the system. Since the years stated I have been constantly having to file disputes for the same company... XXXX. I have been dealing with my livelihood being at jeopardy and been decline credit due to having this repeated issue. XXXX keeps generating a {$600.00} collection that has already been identified and confirm by several employees and managers that the accounts have all been fraud since XXXX. I first became aware when I kept having to go to customer service just to pay my bill because when I called my number never registered in the system. I truly became aware when my credit score dropped and when I checked it said it was from XXXX. The entire time I thought I was paying my phone bill apparently a account never existed and I have no idea where that money was being applied. Upon becoming aware of this I tried until XXXX to fixed the issue and it was never resolved no matter how many times I disputed the collections another one was generated and applied with no account number to link to an actual account. Until this day in XXXX their system still say I never had an account with them but its still generating collections saying I owe them. Its now going on 5 years and I'm beyond distressed. I personal feel like the situation has been over looked for all these years because I am a minority and no matter to these companies. I've literally been to EVERY store in the XXXX and XXXX XXXX area to resolve this issue and for 5 years I haven't gotten anywhere only more inconvenience in my life. XXXX has consistently been the only collections I've had on my credit outside of student loans this situation has been completely unfair and to be limited for the last 5 years by a company that has ignore EVERY attempt of solution on my end. I had to show court documents showing I moved, show proof of the new address that the service was transferred to and all kinds of unnecessary inconvenience just to be told there was system isn't showing my account ever existed but keeps generating collections.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: NC

Complaint narrative:
On XX/XX/22 I submitted letters to Equifax, XXXX and XXXX disputing accounts that were on my credit report that were not accurate. It has now been over 30 days and I have not received a response as of yet. I am trying to leverage my credit to build my business and this is slowing my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: NC

Complaint narrative:
On XX/XX/22 I submitted letters to XXXX, Experian and XXXX disputing accounts that were on my credit report that were not accurate. It has now been over 30 days and I have not received a response as of yet. I am trying to leverage my credit to build my business and this is slowing my process.

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 2022-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
To Whom It May Concern : I reviewed a copy of my credit report and [ company name ] ran an unauthorized credit inquiry on me on [ date ]. 

I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact [ company name ] and investigate such occurrence. 

I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly. 

If you have any questions or need additional information, please contact me at address listed below. 

Thank you. 

Sincerely, XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ca 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 2022-03-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: GA

Complaint narrative:
Pro Collect, Inc out of XXXX Texas listed a collection that I knew nothing about and is not mine. {$2700.00} on XX/XX/XXXX. They have my social security number and can't or won't explain where they got it from. I talked with them on XX/XX/XXXX about this issue. They're not telling me who submitted this information to them so I'm not able to contact the creditor to dispute .t. I disputed it to all 3 credit bureaus and XXXX was the only on that didn't remove it from my file. They stated that Pro Collect Inc said the information was correct. I know nothing about this.

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 2022-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
Good Morning, Pursuant to 15 U.S. Code 1691 ( a ) It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction. 
On XXXX XX/XX/2022 I was sent an Adverse Action letter and denied for an AMEX XXXX CARD, this is unlawful and illegal. I demand immediate approval of my application for the American express platinum card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-21 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-21 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: IN

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NY

Complaint narrative:
I have federal student loans that are currently serviced by FedLoan, and I am pursuing Public Student Loan Forgiveness. Across my loans there are 10 monthly payments that are incorrectly listed as " ineligible '' as counting towards PSLF. During these 10 months I ( 1 ) worked for an eligible employer that has been verified and ( 2 ) my loans were not in a grace period, deferment, or forbearance. I have previously requested recounts of my ineligible payments, resulting in some to be updated as " eligible '' for some loans but not others.

I am requesting the assistance of CFPB to initiate another payment recount for my " ineligible '' payments. I have submitted this request to FedLoan by fax but have received no response. I am not able to reach a live representative by phone to make this request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Mobiloans, LLC
State: TN

Complaint narrative:
I took out a loan for XXXX. I paid regularly, and switched jobs. I had an issue with direct deposit. Company didn't have option to pay online. 

I did have a few weeks payment wasn't made. Last time I spoke with mobiloans, I believe in XX/XX/2022, was told I owed XXXX. 

I mailed payment in XX/XX/2022 for XXXX. In the form of money order. I sent XXXX to cover any added interest that may have potentially occured. 

XXXX is the USPS tracking number where payment for {$2400.00} I have asked multiple times for a statement by mail and it's as though they are refusing at this point. 

I've paid them more than I was even told I owed them. I'm really trying to do my part. The payment was delivered 12 days ago. I still haven't gotten any record or confirmation of this, and any electronic communication is ignored.

Company response to consumer: Untimely response