vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-02 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-02 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 




INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY

Complaint narrative:
CARES act passed and have defaulted loans on wage garnishment. 
Wage garnishment has not ceased on defaulted federal loans by my employer XXXX XXXX. 

I have contacted both the Dept of Ed and my employer and neither had take action, in violation of federal law put into effect by the CARES Act. 

There is no further action I can take to stop this illegal garnishment of my funds. I have not received the return of the garnishment on multiple paychecks, which also was promised by the above act and federal department of education.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

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 2020-05-02 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: IL

Complaint narrative:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: IL

Complaint narrative:
FIRST BOX I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2020-05-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I had placed and order for a flat iron by accident that I was unable to cancel from XXXX XXXX for the amount of XXXX and I had disputed this charge right away with my capital one Walmart credit card supposedly capital one had told me they would contact XXXX XXXX and get the charges reversed so they did and I guess by time capital one got a hold of XXXX XXXX they sent me the item already anyway So around that time when the dispute was being investigated by capital one I contacted XXXX XXXX and told them that I was trying to cancel the order and that there website didn't give me and Option to cancel the order so XXXX XXXX emailed me a return shipping label in which I had printed out and sent the item back for a refund XXXX XXXX received the item on XX/XX/XXXX at XXXX XXXX. And yet capital one was still investigating the charge I had told capital one that I returned the item and they said they would investigate further and reverse the charge since I sent the item back to XXXX XXXX and they did remove that charge from my credit card balance however today on XX/XX/XXXX. Capital one rebilled me for the charge for the item that was being disputed with XXXX XXXX in which I refuse to pay because I don't have the item I shipped it back to XXXX XXXX with the shipping label XXXX XXXX had emailed me I have he tracking number as proof the item got sent back to XXXX XXXX but yet capital one put the charge back on my credit card balance for me to pay which is wrong because the item is no longer in my possession

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-02 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: IL

Complaint narrative:
FIRST BOX I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND 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 2020-05-02 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: IL

Complaint narrative:
FIRST BOX I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 


INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TO WHOM THIS MAY CONCERNED ; I MR. XXXX WENT TO XXXX, TRANSUNION, AND XXXX BEHIND THE SAME ISSUES PROBLEMS SAME ACCOUNTS THAT WAS UNDER IDENTITY THEFT, BEHIND THE SAME CAR DEALERSHIP UNDER FALSE FRAUD REPORT IDENTITY THEFT FALSE REPORTING TO CREDIT BUREAU I HAVE SENT IN THE SAME DISPUTE TO ALL THREE MAJOR CREDIT BUREAU XXXX TRANSUNION XXXX  ALL OF THESE SAME WEATHER BUREAU REFUSING TO TAKE OFF THE DEALERSHIP REFUSING TO TAKE OFF WORLD FINANCE AND SO FORTH BUT YET AND STILL ALL THE OTHER ONES ARE CAME OFF MY REPORT AND THEY'RE REFUSING TO TAKE IT OFF 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 explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I have been trying to link this account to several different money service apps I have. But have yet to be able to get any of them to connect up correctly. I need to go to the bank personally and see if I can get an account with checks. Ive been told that is what I have to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
On XX/XX/2020 I reached out to XXXX XXXX XXXX XXXX in regards to incorrect data listed on my credit report. I did a dispute and asked for proof that I wasnt behind and my correct balance. Because I made a complaint, they reported my payment as being late again despite a letter from their own branch XXXX stating I wasnt behind. I spoke with several people about this and I was told it would be handled, only for my credit report to get hit once again saying Im late when in fact I was not from their own mouths. The data is incorrect, the balance is incorrect and I believe I am being purposely attack because I made the initial complaint. They also investigated my account and found that I was being charged for XXXX when Ive had insurance the entire time Ive had the loan. They owe me a refund as well. No one is calling me back and Ive been transferred to several people several times only to get there is nothing they can do. I have proof they are doing this on purpose. My credit is my life and this bank has ruined my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I deposited my stimulus check through mobile XXXX app I went to withdrawal XXXX them XXXX hours later it says negative when I had more than {$1000.00} dollars left

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Per response to my previous CFPB complaint of garnishing me without proper notification, Midland Funding indicated that their attorney, XXXX XXXX, would be refunding me for the money collected from my paychecks, including poundage fees. 

The garnishment has since been released and of the {$5900.00} that was garnished from me in XXXX and XXXX I have received a refund of {$4700.00} from XXXX and XXXX checks in the amount of {$550.00} each from the courts. 

This means, as of today XXXX, I am still due a refund of {$110.00} in fees withheld by the courts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-02 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: AR

Complaint narrative:
Transunion, Experian, and Equifax all reporting a credit card negatively. XXXX XXXX XXXX Bank ending in XXXX in the amount of {$920.00}. 
Transunion has XXXX credit inquires. None are mine, Equifax fixed the inquires on there report but Experian and Transunion are reporting incorrect/fraudulently made inquires still. 
Equifax reporting Negative/Collection account in the amount of {$1900.00} from original XXXX XXXX opened before I was even legal age of XXXX. XX/XX/2016 2016

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 2020-05-02 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX I was at work. Around XXXX I had gone on my break and found my wallet missing. I work at XXXX so I was checking to see if any of my coworkers had seen it. After about XXXX minutes I had given up finding my wallet and continued to work. Deciding to call the bank later to issue a new card. Around XXXX I had noticed that my card had a charge of 2000 listed under my purchases. I never purchase anything from XXXX that is around 2000 and was confused when the bank did not notify me. I called the bank that night and told them the situation and they said they would take a look at the incident. However, it has shown that they denied my fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: AR

Complaint narrative:
XXXX XXXX, and Equifax all reporting a credit card negatively. XXXX XXXX XXXX Bank ending in XXXX in the amount of {$920.00}. 
Transunion has 82 credit inquires. None are mine, Equifax fixed the inquires on there report but XXXX   and XXXX are reporting incorrect/fraudulently made inquires still. 
Equifax reporting Negative/Collection account in the amount of {$1900.00} from original XXXX XXXX opened before I was even legal age of XXXX. XX/XX/2016 XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 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: AR

Complaint narrative:
XXXX, Experian, and XXXX all reporting a credit card negatively. XXXX XXXX XXXX XXXX ending in XXXX in the amount of {$920.00}. 
XXXX has 82 credit inquires. None are mine, XXXX fixed the inquires on there report but Experian and XXXX are reporting incorrect/fraudulently made inquires still. 
XXXX reporting Negative/Collection account in the amount of {$1900.00} from original XXXX XXXX opened before I was even legal age of XXXX. XX/XX/2016 XX/XX/2016

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 2020-05-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I was quoted a low interest rate when I purchased my vehicle only to find out my interest rate was super high once i signed the paper work. Now that I'm behind Capital One refuses to lower my interest rate by letting me refinance because existing customers are not allowed to refinance with them which makes no sense. I'd like to refinance and lower my car payment. Im upside down in my car and ive lost my job and need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX & XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
There has been many complaints from Wells Fargo customers who checked the IRS website and got confirmation that funds have been deposited in their account on said date. On that date the funds are not available even on the business days after. There are numerous of people who have received their funds with other banks/financial institutions right on the date that was advised. This bank is corrupt and they are playing with people money which is a shame in these times. Please see the attachments of real life customers of Wells Fargo commenting and relating to each other in being XXXX by this bank. Veterans, workers, people who have banked with them for YEARS. And all Wells Fargo can give is a generic 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 non-monetary relief
Consumer complaint received 2020-05-02 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. 
Report Number : XXXX Date Generated : XX/XX/XXXX Account Name XXXX XXXX CR UNION Account Number XXXX Account Type Unsecured Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. {$6200.00} written off. {$6200.00} past due as of XX/XX/XXXX. 

In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 
2. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 
3. Please provide a complete account history, including any charges added for collection activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: PA

Complaint narrative:
I started a loan rehabilitation program with a company called XXXX which has my student loan now, the payments started in XX/XX/2019, I made XXXX payments to the company and was told that my tax return would not be taken again this year ( off set ) I only received a {$980.00} federal tax return and was supposed to get XXXX in state but the dept of education took the {$980.00} and I still dont know what happen to the state return. Is there anything I can do to get my federal tax return back?

Company response to consumer: Closed with explanation