vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I am a student and have been since XX/XX/XXXX. On my credit report XXXX XXXX my student loan servicer reported I missed payments XXXX, XXXX and XX/XX/XXXX. This is inaccurate as I am in school deferment. I call XXXX XXXX and Experian multiple times. I was assured the error would be resolved. However, an update to years old dispute was made to my report but not my existing dispute. The errors still remain on my report, managers from Experian don't call me back. 
At this point, my job is being affected as XXXX XXXX denied me a corporate card and I can't travel without it. My job is on the line and I'm in the process of taking additional legal action.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
They closed my account because I was unable to verify my address. The reason I was unable to verify was because I was on XXXX XXXX and did not have the ability to verify. ( no bills, no state license since I didn't need to get one, no taxes done yet. ) I stopped paying on my card and that was 10 years ago. They refused to take this off my credit report claiming the date of first delinquency was in XXXX. I have been asking for records every few months but I was unable to get any kinds of statements on the accounts until this month. There was a late fee XX/XX/XXXX which proves the date of first delinquency was before the closing date of XX/XX/XXXX which is 3 years before they claimed the date of first delinquency was in XXXX I requested multiple times for the statements for my account and have not been provided with any statements. I have tried twice before to get this removed from this website. Here are the reference numbers. 
XXXX XXXX They also inflated the amount owed. The statement I got includes the amount owed which was less than {$1000.00}. The statement in XXXX is over {$3000.00} If the account was closed by them then how would I be able to make over {$2000.00} in purchases.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Set my B of A credit card account to automatic payments every month indefinitely. I received a notification from my XXXX subscription that my score had dropped significantly. Look online and no automatic payment to be found. I then process payment immediately and refer back to my emails associated with my account and see confirmations for automatic payments processed every month from XXXX but nothing for XX/XX/2024. There was also no email stating that automatic payments would end or be terminated. This to me appeared to be a system error but B of A did not treat it as such and instead penalized me for it. In the 12 years I have been establishing my credit, I have had no delinquency in my accounts. B of A caused a significant drop in my credit score and available limit. I went from a XXXX to a XXXX overnight. I will not take this lightly since your credit means everything.

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 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Since XXXX I have been trying to get the bureaus to do their job well since I have sent them notifications to please correct some errors in my credit report, I know that by law they should have done this in 45 days maximum, however until the moment I have been ignored. 

Also many creditors who have already sold the account to collection agencies continue to harass me trying to collect, according to my knowledge this should not be like that, the credit bureaus should regulate it

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 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: MIDFIRST BANK
State: AZ

Complaint narrative:
See attached document

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 2024-02-13 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: MOHELA
State: CA

Complaint narrative:
I had a multiple loan installments or just multiple loans with my servicer Mohela, I fully paid 3 of my loans on XX/XX/XXXX and in one of them I overpaid and currently have a negative balance XXXX . I called 3 times asking for a reimbursement of that balance the first time they said that 60 days have to happen to process that credit, after 60 days I called two times and told me that the credit will be processed and reapply for a remaining loan. Currently on the loan where my balance is XXXX $ is stating that I have to pay XXXX on XX/XX/XXXX, I don't understand where is this balance coming from on a fully paid ( or overpaid loan ). 
I have a clear history of payments provided by Mohela, the loan servicer, but they do not provide a clear history statement on past months that can help explain this balance the servicer want to charge me. 
Is my clear understanding the servicer is making a mistake on charging me XXXX $ to be deducted on XX/XX/XXXX and also is a clear mistake to not reimburse the credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I lodged a complaint with these Bureaus a month ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than 30 days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the XXXX, Experian, and XXXX data breach.

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 2024-02-13 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: DOLLAR MUTUAL BANCORP
State: PA

Complaint narrative:
XX/XX/XXXX Dollar Bank ran ads and billboards around the XXXX XXXX Area for a CD interest rate of 5.25 %, {$25000.00} minimum for 13 months I purchased two CDs for a total of {$50000.00}. The CDs will mature XX/XX/XXXX and they are only going to pay a rate of 4.25 %. I have copies of their ads and billboards and they still insist on paying the 4.25 % saying that it was a marketing error. In good faith I met all of their requirements and they should do the right thing and pay the 5.25 % rate Thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WI

Complaint narrative:
[ XXXX XXXX XXXX XXXX ] [ XXXX ] [ XXXX XXXX ] XX/XX/XXXX Block, IncXXXX ( formerly known as Square, Inc. ) Square Capital , LLC License # : XXXX Institution Name : Block , Inc . 
Officer Name : XXXX XXXX Address : XXXX XXXX, XXXX XXXX XXXX, CA XXXX Phone : XXXX Dear Sir/Madam, I am writing to demand the immediate release of funds amounting to {$4700.00} from our Square account. Our company, XXXX XXXX XXXX XXXX, has diligently followed the terms outlined by Block , Inc., as per the email dated XX/XX/XXXX. It was explicitly stated in said communication that on XX/XX/XXXX, the sum above would be made available for withdrawal. Regrettably, despite fulfilling all stipulations, this release has not occurred. 

It has been 90 days since the specified release date, and the funds have yet to be disbursed. This delay is not only in direct contravention of the terms agreed upon but also constitutes a breach of contract on your part. Such actions are unacceptable and have resulted in severe financial hardship for our company. 

At this moment, we demand that Block, Inc. immediately release the sum of {$4700.00} to the balance of our Square account for withdrawal. Failure to comply with this demand within 24 hours of receipt will leave us with no alternative but to pursue legal action. Please be advised that we will not hesitate to initiate a lawsuit in a court of law to seek restitution for damages incurred due to your breach of contract. 

We trust that you will promptly and appropriately rectify this matter. Should you require further information or clarification, please do not hesitate to contact us at XXXX. We anticipate a swift resolution to this issue and the immediate release of the funds owed to us. 

Sincerely, XXXX XXXX Co-Founder [ XXXX XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Help me write a CFPB complaint against TransUnion. The reason for my complaint is because I have mailed multiple dispute letters to TransUnion requesting an investigation into inaccurate items on my report. These letters were sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I made sure to include a copy of my photo ID, social security card, and recent bill with my current address to help TransUnion verify my identity and address. 

I received identical responses back from TransUnion on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating the following : We recently received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we won't process requests unless they come directly from you or an authorized third party. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that TransUnion has violated my consumer rights by not conducting a reasonable investigation upon receipt of my disputes, which they are required to do so in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letters sent to TransUnion, along with XXXX responses as proof.

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 2024-02-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
I received a prepaid American Express gift card from my company for a XXXX bonus. It had {$900.00} on it. At first, I was able to use it in most places, however, now it is declined no matter where I use it - both online and in-store. I called the customer service line and they told me that the card is active and working. They also told me to wait XXXX hours before I tried it again. It worked for XXXX additional purchase at an online store, but now it says the card has been declined too many times and won't work. As of XX/XX/year> it says it still has {$360.00} on the card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
to File a complaint against TD Bank ( online ) Opened an online checking account, ( account # XXXX ) ; recieved checks debit card etc. 
while setting up an online transfer from an account at XXXX XXXX Bank ( jointly owned with spouse ) to TD bank, the process did not work and TD locked my account. ( I did verify the XXXX XXXX XXXX thr ' instant verification as well as thr ' XXXX deposit amounts. ) I called TD bank several times and went through their security questions, passing each time, but was not able to get them unlock the account. They insist that I visit a local TD bank and verify my ID and XXXX XXXX XXXX details. 
It is not convenient for me to visit TD bank and the reason to open an online account is " NOT HAVING TO GO TO BANK BRANCH '' TD bank refuses to come up with an alternative to unlock the account. This is not acceptable and they are causing lot of inconvenience to me. 

Appreciate your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I applied for an XXXX XXXX ( XXXX ) on or around XXXX XXXX and was denied extension of credit. 

I received an adverse action notice shortly after and it stated XXXX discriminatory reasons of why I was denied. They included Serious delinquency, Ratio of balance to limit on bank revolving or other revolving accounts too high, Time since delinquency too recent, and number of accounts with delinquency. 

Being as though I applied in good faith with true information and I am not in default with PNC Bank, them denying my application for notes goes against the Federal Reserve Act, Equal Credit Opportunity Act, and also by them receiving my application for that specific dollar amount and not issuing my Federal Reserve Notes or returning my submitted application is Securities Fraud. I know this because my application is a negotiable instrument with my E-Signature, NAME, and Social Security Number so therefore I entered a Consumer Credit Transaction with PNC Bank. 

I responded to the adverse action letter via mail and it was received by PNC Bank on XXXX XXXX and also contacted the Executive Client Relations Specialist department by phone on Monday XX/XX/2024 to try to resolve this matter, but I was told they would not approve my application because of PNC Bank policy, when I informed them I'm applying in a lawful capacity ( Federal Reserve Act Section 16 part 2 & 15 USC 1602 part f & g ) Due to my rights to credit being violated I am being damaged financially and emotionally, also would like mediation to correct this matter and have my application denial reversed, and the amount requested on my application of XXXX USD issued to me immediately after settlement of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-13 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: OR

Complaint narrative:
I contacted discover credit card agency in an attempt to resolve a negative account. I was enrolled in a program to help resolve the negative balance. I was told by the agent if I paid {$36.00} to start the program I would then be allowed to pay {$15.00} a month for 12 months. I was told that after 3 payments of {$15.00} dollars XXXX, XXXX, and XXXX that my credit bureaus would reflect that I am current on the credit card as long as I continued to make the {$15.00} payments. I have honored my committment to Discover by making the agreed payments with discover. Today I was told that the agent I spoke with did not enter the correct details and that my account is not reflecting current and that I need to now pay {$370.00} in order to fufill what the agent promised me. I was illegally put into a bait and switch situation with discover. I honored my portion of the agreed upon agreement with discover and they need to honor their end. I was completely lied to and this should be illegal.

Company response to consumer: Closed with monetary relief