vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-31 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: MN

Complaint narrative:
Hey on XX/XX/2021 I had sent in a letter regarding inaccurate and not known to my knowledge things on my credit report. Leading up to this day which is over 30 days later I have not gotten a response yet. I feel like I'm being taken advantage of and ignored. After taking some time to do research on this matter, I concluded that failure to investigate these items within 30-45 days gives a reason to immediately remove these inaccurate items from my credit report. It has been over 30 days so they should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation, due to the headache and stress you have given me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I contacted Wells Fargo due to unarthurized Charges proved I was a victim of a identity theft by sending proof of police reports and also a claim for my stolen merchandise they denied my claim XXXX when I really dident arthurize any transaction its been a tough year for Y family and I during COVID I want my money back they are stealing people 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 explanation
Consumer complaint received 2021-10-31 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/2021 I purchased a car through a pre-approval that was sent through my XXXX XXXX Credit card. I went to the dealership to present the pre-approval and was told I could then start to search for the car I wanted. I filled out some paperwork, picked my car. XXXX XXXX. I recently checked my credit report and noticed that the care salesman san my credit about 6 times for several different companies despite me already having a pre-approval from XXXX XXXX financing. These inquires were unauthorized and I've been working diligently to have them removed. I was told that I needed to submit this report in order to start the process y XXXX representative XXXX number ( 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 2021-10-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ALLY FINANCIAL INC.
State: OH

Complaint narrative:
Me and my family have had severe cases of XXXX  XXXX we were off work an ally financial reported late pays after I notified them we were very sick .I was hospitalized for 21 days an my daughter has been in an out of hospital with covid an she is 5 months pregnant I ask ally if they could remove the late pays an I was told XXXX it will take 30 to 45 days it is 80 days later an it has not been removed

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 2021-10-31 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: MN

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation reports. These creditors have reported inaccurate/unverifiable inquires to my report which is incorrect, and I am asking this be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Activehours
State: CA

Complaint narrative:
Earnin express lets you receive your paycheck two days early. I was supposed to be paid on XX/XX/XXXX and as of now XX/XX/XXXX I have not been paid and they can not give me a reason or havent offered a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: Certegy Holdings, LLC
State: KY

Complaint narrative:
On XX/XX/2021 Certegy declined a check that was written by me in a grocery store. After receiving the consumer report, there was not any information listed as to why the check was declined. At the end of the report, it states that information could have been received from XXXX XXXX XXXX XXXX. I contacted XXXX XXXX and again there was not anything in the file. No bad checks, nor is there a history of bad check writing in the file from the two companies. This reporting and suggesting declines is very embarrassing and humiliating. My credit report has a fraud alert and maybe this was the reason why however this experience could have been avoided if these companies would update their information and gather precise information needed to refuse.

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 2021-10-31 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: ERC
State: FL

Complaint narrative:
This balance was previously with XXXX XXXX XXXX and was unable to be verified in XXXX or this year. I have no knowledge of this and would like it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: TN

Complaint narrative:
Most definitely the worst financial institution I've dealt with. We tried to obtain a mortgage for home in a community and it was so unnecessarily stressful. From the moment we first got the " approval '', they kept asking us for documentation that can not be obtained for someone who is not a US citizen, you can't ask for a US passport if the person is not yet a US citizen. The loan originator XXXX XXXX was horrible during the whole process and didn't even know what type of ID we needed. I had to call customer service with 21st mortgage because the representative at the community we were trying to buy the home from has worked with 21st mortgage for a while. I called 21st mortgage again and was helped by a XXXX who then transferred me to an XXXX without even telling me and he said he would " give me a call back '' with an answer to the ID question. Never got a call back but the issue was fixed in the application process. The other hurdle was " verifying '' income, after they were provided, paystubs and W2s, the issue was now a verification of employment sheet. My employer 's HR was taking forever due to covid so we didn't get it in until a week and a half later. After the verification of employment sheet was filled out entirely, I mean giving them pay per hour, overtime, bonuses, they proceeded to say it wasn't sufficient and needed verbal verification. The ridiculousness of the process should have been enough for me to stop but then of course they asked for income for the coapplicant who was self-employed and provided proof of income for two years prior. XX/XX/XXXX was not a good year for his business due to the pandemic so we got " denied '' our mortgage based on that. Honestly not worth going through the process with them, not only are they uneducated and rude, they are not empathetic and discriminatory. I will definitely be making sure to contact the FTC and XXXX about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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:
On XX/XX/2021 I sent a certified letter to Transunion regarding inaccurate reporting on my credit profile for the account XXXX and method of verification, they did respond and said this account was verified. Transunion has never updated or properly investigated this account because the inaccuracies has remained which is a Violation. I have provided documentation that they have never changed and remain to report inaccurate obsolete information This is illegal and unfair credit practices. They have not responded to any of my letters.

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 2021-10-31 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:
I am a consumer and I am being violated of my rights as a consumer to have accurate credit reporting on my credit file with Equifax FCRA 611 ( 15 U.S.C. 1681I ) .Equifax has not verified the late payment reporting on my credit file and it is hindering me the consumer from purchasing a house. I have sent in Multiple disputes with Equifax about two student loans account that are being reported inaccurate on my credit file. I have disputed both of my student loans account 5x total and Equifax states that their information is correct. 

I have proof that Equifax is changing around my payment history and Equifax is not corporation with my rights as a consumer of having ACCURATE information on my credit file XXXX XXXX XXXX have stated that they have different payment history then Equifax. 

Equifax has never sent me how they Validated my payment history on both accounts being disputed. Equifax sent me a Statement of my student loans which is not a method of verification. 

CFPB I want to remind you it is your duty to protect the consumer from being poorly treated by the credit reporting company such as Equifax and to make sure that each file is showing accurate reporting. 

I also have attached the Statement Equifax sent me as their validation and both of my written letters with the tracking number attached. 

I also have attached a report that Equifax is reportedly differently then XXXX & XXXX and Equifax is missing information such as the Date of Last activity & date of last payment this is Illegal to report. ALL information must Match and be 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On around XX/XX/XXXX through XXXX I received correspondence from Well Fargo on my legit Federal file complaints of Discrimination and Retaliation, Identity Theft and Violations of my ADA Disability Act under Department of Justice. 

So Wells Fargo XXXX XXXX XXXX Lending Executive Case Specialist states that there is no wrong doings or violations of Federal and State Laws on the issues of Wells Fargo keeping my former checking account open so a Wells Fargo XXXX Customer can use my identity and information to obtain a Home Mortgage. 

Why Wells Fargo allow this issues to occur with my private information and identity and keeping a old checking account open until XXXX? 
Wells Fargo conducted a research and stated that a former checking account was open on XXXX XXXX, and account closing on XXXX XXXX and why Wells Fargo kepted this account open when I requested to be close back around XXXX 's.? 

Wells Fargo states they made a error and respectfully and I say this is a major error in using my identity and private information and doing a fraud, Scandal and Corruptions.. 

Why Wells Fargo is not providing me and Federal Government any evidence of Checking account ending # XXXX with Wells Fargo Visa Debit Card purchases, Bank Statements and Opening a account application with my Official Hand Written Signatures when this checking account and Home Mortgage was open around the XXXX XXXX? 
Who was my employer in the XXXX and it should have been noted on the application when checking account was opened at Wells Fargo and what Wells Fargo Brancg account was open in California? 
On XXXX XXXX Wells Fargo stated that a email was sent to me and what was my email address and why the email was sent to me? 
FBI can archive my emails for evidence. 

Also, Why does Wells Fargo wants me to cash or deposit a {$26.00} Wells Fargo check immediately on a checking account # XXXX and Home, Mortgage that is in Fraud, Scandal, Corruptions and Violations of Federal and State Laws? 

I am not going to cash no check of $ XXXX.I am holding this check as evidence as I am respectfully requesting a FBI investigation and I have made contact with Leaderships in the White House in Washington, D.C .

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 2021-10-31 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: Fidelity National Information Services, Inc. (FNIS)
State: KY

Complaint narrative:
On XX/XX/2021 XXXX declined a check that was written by me in a grocery store. After receiving the consumer report, there was not any information listed as to why the check was declined. At the end of the report, it states that information could have been received from Chex Systems , Inc. I contacted Chex Systems and again there was not anything in the file. No bad checks, nor is there a history of bad check writing in the file from the two companies. This reporting and suggesting declines is very embarrassing and humiliating. My credit report has a fraud alert and maybe this was the reason why however this experience could have been avoided if these companies would update their information and gather precise information needed to refuse.

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 2021-10-31 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: FL

Complaint narrative:
This balance was previously with XXXX XXXX XXXX and was unable to be verified in XXXX or this year. I have no knowledge of this and would like it removed.

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 2021-10-31 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I requested my free annual credit report from Equifax, and they provided me a blank file. When I tried to request another copy, Equifax stated that I had already received my annual free credit report. I contacted Equifax about this concern through and have heard nothing back. It has been over 72 business hours since I made my initial request. Equifax is unlawful withholding my personal financial information and refuses to acknowledge their wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: Credit Technologies, Inc.
State: GA

Complaint narrative:
I have filed a dispute pertaining incorrect items on my credit report, and it has been well over 30 days and I have not gotten the investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I initially applied for a checking account with Citibank XXXX to deposit XXXX to receive a {$1500.00} bonus. The last step to open account was to provide a utility bill or lease agreement to provide proof of address, However, after learning that I would have to let my XXXX sit in account for 170 days without interest, I declined to send verification documents to let account not to be open. In fact, Citibank XXXX emailed me indicating I needed to complete this last step to create an account. Since then, I have received several emails indicating there is an account and I need to deposit money into it to keep it active. This is simply unbelievable!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

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 2021-10-31 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: Mercedes Benz Financial Services
State: GA

Complaint narrative:
I have filed a dispute pertaining incorrect items on my credit report, and it has been well over 30 days and I have not gotten the investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I filed a dispute about incorrect items on my report and the investigation has been well over 30 days. I have not gotten any response about the investigation

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 2021-10-31 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: PNC Bank N.A.
State: GA

Complaint narrative:
I filed a dispute about incorrect items on my report and the investigation has been well over 30 days. I have not gotten any response about the investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: NCD Financial, LLC
State: CA

Complaint narrative:
This company is reporting my account late and it is not late in fact I paid it in full last month when I called them to fix it they refused and said I had to wait until next month. This is illegal to report info inaccurately. And they took my XXXX $ then reported my account late my score dropped 75 poults

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2021 I was offered a quick turn around on an investment. Im starting to learn about investments so I figured it was a good deal. XXXX and Ill get XXXX, XXXX. I was later told that ill need to send them an additional XXXX to cover taxes it was then that I knew I was being scammed. The amount was still on pending and I immediately called Chase bank and they said that there's nothing that could be done. I hung up and called again and was offered technical support to see If they could retrieve the amount back into my account and they said once I hot sent that was it, money was lost. 

The person hacked into my XXXX account and changed my email and password and phone number so now I can not access my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-31 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: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
It is a FACT, that on, XXXX 2021. I XXXX XXXX XXXX XXXX, went into XXXX LINCOLN FORD DEALERSHIP, on XXXX XXXX XXXX XXXX, XXXX, Va XXXX. To swiftly complete my, Personal CONSUMER CREDIT TRANSACTION on a 2021 XXXX XXXX. IT IS A FACT, that prior to my arrival for test drive, it was discussed and agreed, that my purchase would be a, Personal CONSUMER CREDIT TRANSACTION. I have EMAILS stating prior arrival for test drive. I sent a AFFIDAVIT OF FACT, w Invoice of VIOLATIONS, after i was DENIED MY RIGHT OF A Personal CONSUMER CREDIT TRANSACTION. I have video footage of the violations as well. I am currently sending a, NOTICE OF FAULT AND OPPORTUNITY TO CURE AD TO CONTEST ACCEPTANCE! Please Help! For ALL i was trying to do was, practice my RIGHT, to a Article 3 and TILA Consumer Credit Transaction! This Denial of my NATURAL RIGHTS, As a Consumer, Natural Person, Original Creditor! Thanks for ALL YOU DO FOR COSUMERS EVERYWHERE!

Company response to consumer: Closed with explanation