vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 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: NY

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-08 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: NY

Complaint narrative:
To Whom it may concern, I recently challenged the validity of XXXX XXXX XXXX # XXXX and XXXX XXXX XXXX Account # XXXX ( Collection ) account thats being reported on my most recent credit report. Upon challenging this, XXXX ( Credit bureau ) deleted the account based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging this account with your company you have verified this same account. It is my understanding that the creditor reports the same information to all credit bureaus as expected under FCRA, if this is true, I am requesting the information, you used to verify this account in writing. If such documents can not be produced, please DELETE this account from my credit report immediately.

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 2022-03-08 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: GA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX XXXX, bought a debt from XXXX XXXX, but they have two different amounts on credit for the same company on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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 — Problem with personal statement of dispute
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I went to the XXXX XXXX XXXX XXXX CA Chase bank to cash a check. The teller told me they needed to charge me a {$10.00} fee because my profile with Chase has a credit card which is in Charge-off status. They told me this in a voice where my neighbor who was in line behind me could hear. After fighting with the teller who was then joined by two other tellers, I was told the manager was in a meeting and could not come to the counter, I was finally given the complete account number for the account in question. I researched the account in my XXXX then located the paper statements in my hard-copy file ; the account turned out to have only been open for three months in early 2015. All payments were made on-time and the final statement balance was a credit of {$120.00}. I have never had an account in charge-off status my entire life. 

Chase is attempting to defraud me by charging fees to cash checks because they have erroneous and derogatory information about me their system. I have now spoke with four different departments at Chase bank and no one seems to know how to fix the erroneous information about me in the Chase system.

It is not right I have to pay a fee to cash a check at Chase bank when I have two existing accounts with Chase, but because of some erroneous information in their system, which no one seems to be able to fix, I am being targeted to pay extra fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I began the process of refinancing with XXXX XXXX, XX/XX/XXXX, I signed documents and on XX/XX/XXXX, and appraisal was ordered and cost was quoted be {$500.00} but was charged {$550.00}. XX/XX/XXXX, I re3ceived an email that my loan was approved. On XX/XX/XXXX I was told it was a conditional approval. On XX/XX/XXXX, I asked for an update as well on XX/XX/XXXX with no response. XX/XX/XXXX I was told the loan is going through its normal process. I was told, by phone, NOT to pay my mortgage that we will close by XX/XX/XXXX. I did not pay XXXX mortgage at that time. XX/XX/XXXX I received an answer that all looks good. XX/XX/XXXX my loan is still under review. XX/XX/XXXX and XXXX, XXXX asking for update since it is passed the XX/XX/XXXX closing date. Received a message on XXXX XXXX that the loan was on track to close. XX/XX/XXXX, still under review and our loan was sold to another company. XX/XX/XXXX I was asked to pay XXXX mortgage and get a new payoff. from the new company. Payoff was received on XX/XX/XXXX. XX/XX/XXXX I checked on the status. 
XX/XX/XXXX, I asked for an update. XX/XX/XXXX. XXXX stated loan was in final review. XX/XX/XXXX, was told they were hoping to close in the next few days. XX/XX/XXXX, waiting to hear from underwriter. XX/XX/XXXX, asked for up date and I was told a different authorization was needed. Unsure what that meant and was not given an answer. They took care of the new authorization on that date. XX/XX/XXXX, asked for another update. Got an email to pay XX/XX/XXXX to mortgage, I paid and asked for another payoff letter. XX/XX/XXXX another payoff was sent. XX/XX/XXXX, Update requested. XX/XX/XXXX received a new loan processor. XX/XX/XXXX was told new lender needs another authorization for credit check and payoff since this paper work is over 60 days. I signed the authorization. XX/XX/XXXX, asked for update. On XX/XX/XXXX I was told my loan was denied due to late payments. Please note on page 2 of the attachment is the email stating our loan was approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: RI

Complaint narrative:
XXXX XXXX EOS CCA, XXXX XXXX XXXX XXXX, MA XXXX has been sending me collections notices in the amount of {$220.00}. The collection has been reported as pasted due balance.I do not know this company. I have never done any business with this company. This company does not a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
My decades-long bank, Suntrust, merged with Truist and did their migration over the XXXX weekend. During that weekend, my debit card stopped working. Later I tried accessing my account online and I could only see the credit card, not the Checking, Savings, and MoneyMarket accounts. 
I contacted them initially on XX/XX/22, and after waiting on the phone for several hours, was told to go into a branch because my account was titled in my trust, and needed to be verified ( it has been in a trust for decades ). I did that, and the branch rep told me that I have to open new accounts till they get the problem with trust accounts fixed. Seems they needed to title them in the name of the grantor instead of trustee ( not sure how they didnt figure out to do this in the months prior, since they began the process more than a year before. 
Somehow, after I opened the new account, the rep turned off my online access to the old account, which I use for bill paying and transfers to other accounts. 
I didnt realize this till I went back on the phone for an hour and a half, and was told to go in to a branch AGAIN because the first person didnt actually validate my trust account. So the second person submitted a form to do that, I believe XX/XX/22. Yet I still cant access my account.  I called again on XX/XX/22 and was told by ANOTHER person that it would be fixed within 24 hours. Still not fixed. 

This is a bloody mess. Please help me and all the others who are having this issue.

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 2022-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Debt was paid off

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 2022-03-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't contact lender or servicer — 
Company: Accelerated Servicing Group LLC
State: MS

Complaint narrative:
The company, ASG, has called me many times from a restricted number, leaving me messages without a contact number. Then, they started to call my elderly parents leaving harassing phone messages with them. The company is now calling from different numbers from Alabama and Mississippi, but will not talk to me, only referring me to their online chat room, or will have someone text me. They will not answer me when I ask them who sold my information to them and that they may only correspond with me via US postal mail. Thank you for your prompt attention to this matter.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: CO

Complaint narrative:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Here again is the incorrect information being reported : 1. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate it lists the bankruptcy court as the furnisher thats forgery and misleading when the courts dont report this type of account. 
XXXX XXXX Account Number : XXXX Please remove it to my credit report. 

Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is an irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to ensure the accuracy of my credit reports and now you are stalling the process even further. 

I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
True USD is not supported by Coinbase however its not in Coinbase but its on Coinbase wallet and my Coinbase wallet is linked to Coinbase account, they only say its not supported. they didn't reject transaction, they didn't move to wallet they dont return money to my wallet and wont help me. 
Amount is {$200000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have sent multiple certified letters to Experian with 2 forms of ID ( US passport and Indiana drivers license ). Requesting my personal information be corrected.. Spelling of my name, address updated along with phone numbers.. Experian has failed to do this.. Letters were sent on XX/XX/XXXX ( signed for on XX/XX/XXXX attached ) XX/XX/XXXX ( signed for XX/XX/XXXX attached ) and again on XX/XX/XXXX ( signed for on XX/XX/XXXX ). Multiple calls were made between XX/XX/XXXX thru XX/XX/XXXX, requesting this information be updated.. After multiple calls I was told that this information, my personal information would not be updated. I have provided Experian with my proper identification showing my current name ( legal name and current address and yet they still refuse to update the incorrect information on my personal credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/2022, a charge appeared on my Capital One XXXX  for {$55.00} at a XXXX XXXX in XXXX XXXX, California. The transaction posted on XX/XX/2022, but was made on XX/XX/2022. On XX/XX/XXXX I was in XXXX, XXXX XXXX, and XXXX, California. I was not in XXXX XXXX. I had not used the card in over a week, as I had been using a different credit card. When I saw the charge on XX/XX/XXXX, I contacted Capital One to report the fraudulent use of the card. The agent initiated an investigation and told me that it should be resolved shortly. 
On XX/XX/XXXX, I was contacted by Capital One, who informed me that they had found " insufficient evidence '' of fraud. I called to try to understand more, and was told that because I had possession of the card at the time, and the transaction showed that the chip was present, the company I believed had benefited from the transaction. Again, I was not in the city where the transaction was made on that day, and had not been in that city for many months. I was 60-100 miles away, using a different credit card, for which I have evidence. 
The company claims that the chip technology can not be tampered with or copied, and so they have determined that it is my responsibility to cover this charge, even though it is clearly fraudulent. They are, in essence, putting the financial fallout from a failure of their technology onto their customers. I tried calling Capital One again to further dispute the charge and to prove to them that I was in a different city, established by credit transactions on another card. They insinuated that I may have let the card out of my possession, that a family member might have used it. I live alone, and the card was in my wallet the entire day. They repeated that because the chip can not be copied, it isn't fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
I have been requesting that a correction be made to my credit report after my credit card company XXXX had reported wrong information to all three bureaus. They incorrectly reported : XXXX 60 day late payment reported incorrectly on XX/XX/2020 Experian 30 day late payment reported incorrectly on XX/XX/2020 XXXX 30 day late payment incorrectly reported on XX/XX/2020 I have called at least 6 times to XXXX and was told verbally this error would be corrected with the next cycle of reporting, it never was. 
I have reported to each of the three credit reporting agencies who also would not correct the error even with XXXX stating it was incorrect info. 
This has been going on for months! 
I finally received a letter from XXXX stating the credit reports would be updated and incorrect info removed. 
I filed another dispute with all three bureaus yet I still have not had any corrections made to my reports. THE DOCUMENTATION YOU PROVIDED WITH YOUR DISPUTE BUT HAVE DETERMINED THAT IT WAS NOT SUFFICIENT TO MAKE THE CHANGES OR DELETIONS YOU REQUESTED '' I couldn't believe it! If the company which reported information made an error and are admitting to that error then who or what gives Experian the authority to state they will not fix it? Its wrong and if it is not fixed immediately I will have to file a suit! 

I have also demanded the credit reporting agencies to ADD the XXXX points that were deducted from my credit scores on all 3 reports to be added back to my score! 

I have not been able to get any corrections made and at this point I am demanding it be repaired, the negative info removed and my score to be updated by adding the XXXX points!

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 2022-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: RI

Complaint narrative:
XXXX XXXX XXXX RADIUS GLOBAL SOLUTIONS  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX has been sending me collections notices in the amount of {$220.00} .The collection has been reported as pasted due balance.I do not know this company. I have never done any business with this company. This company does not a contract with my signature.

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 2022-03-08 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: IA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2022-03-08 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: IA

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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