vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have contacted Equifax several times explaining the same situation over and over again. Someone has stolen my identity and is constantly attempting to open accounts using my personal information. I send several requests and calls only to be told that if the back office did not delete, I have to keep sending the same information over and over again. So, Equifax admits that they have the documents & someone dropped the ball, but I have to keep contacting them until someone feels like actually reviewing my information. Again, I have attached the requested documents & hopefully this is the last time I have to make this request for this fraud inquires to be deleted. After sending this request I received a response asking for my identification information which I included but still did not delete those fraud accounts. Please remove XXXX XXXX  XX/XX/2021 & XXXX XXXX XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I recently filed a dispute with XXXX in XX/XX/XXXX asking them to remove inaccurate information on my credit report.The 2 accounts that I asked to be removed were reporting inaccurate dates, amounts and account numbers on XXXX and Equifax. The dispute results from XXXX came back verified as if no real investigation was even done and obviously no investigation was done because the account ( XXXX ) came back as accurate but displayed Charged off from XXXX XXXX XXXX 2 on time Payments after XX/XX/XXXX ( XXXX XXXX ) then back to CO status until XX/XX/XXXX. XXXX did not do any investigating

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: NV

Complaint narrative:
My cash app user name is : $ XXXX My phone was stolen earlier this month ( XXXX ) and I filed a formal police report, I was able to recover my phone and once I did, I noticed several funds missing from my cash app account. I then reviewed the itemized transactions and I noticed that I same individual that stole my phone ( XXXX XXXX ) was listed on several of my cash app transactions along with another individual that I don't know named ( XXXX XXXX ) my phone was used to iniate funds transfers from my cash app account to XXXX XXXX and XXXX XXXX for a grand total of {$2100.00} my account was almost completely wiped out. I immediately filed a police report and contacted cash app with the confidence that they would investigate the matter and issue my funds back to me, and per federal guidelines provide a provisional credit for the funds while the investigation is ongoing. I have not been contacted by cash app requesting any further info from me, they haven't asked for a police report number or anything whatsoever. I'm not sure how they can possibly conduct an investigation with very little information. If that's the only info they want to conduct an investigation then it's virtually impossible to not approve my claim and resolve it in my favor because any other outcome besides that would advise me that no investigation could have possibly been conducted and I would hate to find out that they just deny most claims without any type of investigation. I demand some answers, I request and demand a provisional credit while the investigation is in process. I've also submitted an affidavit stating that I had nothing to do with these funds leaving my account and these transactions were completely unauthorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I issued and mailed a check to a vendor XXXX XXXX XXXX XXXX. and the check was cashed by someone other than the intended vendor. My vendor does not even have account at the bank at which the check was deposited. I found out the the day after it posted to the account as Wells Fargo does not provide copies of the check until the day after cleared. I asked for a provisional credit which I was told it would take 24 hours to 10 business days to have an investigation done and at that point it would be decided.

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 2022-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I received a letter from Synchrony Bank dated XX/XX/2022 stating that I requested to open a PayPal credit account on XX/XX/2022. 

I did not attempt to open a PayPal account on XX/XX/2022 nor have I ever applied for a PayPal account or any account with Synchrony Bank. 

The letter simply says we were unable to verify your identity but there is no contact information, phone number etc for finding out more about this alleged application or request to open an account.

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 2022-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: UT

Complaint narrative:
I have asked more than once for my PMI to be canceled yet it is still being charged. I am below the XXXX XXXX  XXXX benchmark. The cancelation should have occurred automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
The vendor, American Express, assessed a {$250.00} membership renewal fee on XXXX XXXX, XXXX. Because I pay my card balance through automatic debit, the vendor received automatic payment for the charge on XX/XX/XXXX. I contacted customer service on XX/XX/XXXX to seek a refund of the membership fee and to cancel my card, as I no longer used it. ( I had been a member since XXXX. ) I used the " chat '' function on the vendor 's site and spoke with " XXXX. '' " XXXX '' informed me that he could not refund the membership fee because I requested it outside of the XXXX window for such requests. I informed him that my immediate family had suffered a XXXX XXXX XXXX XXXX XXXX  after the holiday, and that I was unable to seek the refund during that time. I also told him that it seemed inequitable to refuse my request given that I requested the reversal 34 days after the assessment, and less than 21 days after paying it. XXXX informed me that if I terminated my card immediately, I would lose earned points that I had amassed. I therefore pended the termination so that I could use the points first. I did so, and promptly terminated the card on XX/XX/XXXX. 

I submitted the complaint through XXXX  XXXX XXXX XXXX and directly to American Express. On XX/XX/XXXX, an American Express representative called me to inform me that the bank would not reverse the fee. I clarified with her that the membership agreement does not specify whether the XXXX requirement is based upon calendar or business days. She did not disagree with the ambiguity, but nevertheless persisted that Amex would not refund the fee. 

I would like the fee to be refunded. If Amex wishes to apply the XXXX requirement for a refund to reflect calendar days, it should clearly state that requirement in its cardholder agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This complaint is in regards to the XXXX XXXX XXXX Account number XXXX opened on XX/XX/XXXX is factually incorrect. The vehicle regarding this loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account from my credit file. 
According to the rules and guidelines of the FCRA, monthly should not exist after a repossession has occurred.

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 2022-01-29 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: TX

Complaint narrative:
This complaint is in regards to the XXXX XXXX XXXX Account number XXXX opened on XX/XX/XXXX is factually incorrect. The vehicle regarding this loan was repossessed XXXX of XXXX and resold at an auction leaving a deficiency balance. The account that you are reporting is identified as a repossession. yet you continue to report late payments. Since the vehicle is no longer in my possession, it would be impossible for me to default on payments after the fact. I have the right to an accurate credit file. And discrepancies like this are unacceptable. So please immediately remove this account from my credit file. 
According to the rules and guidelines of the FCRA, monthly should not exist after a repossession has occurred.

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 2022-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
On XX/XX/2022 I sent Department of EducationXXXX a certified letter disputing XXXX ( XXXX ) loan accounts. 
Amount # XXXX {$5500.00} Amount # XXXX Department Of Education has " No Permissible Purpose ''. Also they have infringed upon my right to privacy as a consumer, which are both federal violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 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: NV

Complaint narrative:
I've tried to get this info corrected with all 3 reporting agencies. This collection from XXXX XXXXXXXX XXXX for {$930.00} is erroneous. I've always had XXXX XXXX XXXXI 've spoken to XXXX in the past and I was assured this would be removed.I also confimed with XXXX XXXX XXXX there was no balance due on my part. I'm getting no where with this issue. I've been denied credit due to this incorrect information

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 2022-01-29 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I've tried to get this info corrected with all 3 reporting agencies. This collection from XXXX XXXXXXXX XXXX for {$930.00} is erroneous. I've always had XXXX XXXX XXXX 've spoken to XXXX in the past and I was assured this would be removed.I also confimed with XXXX XXXX XXXX there was no balance due on my part. I'm getting no where with this issue. I've been denied credit due to this incorrect information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OR

Complaint narrative:
I had a JC Penny credit card account # XXXX since 2020. JC Penny told me last year that the card was closed by the company. 

I believe that I had paid my account the minimum payments required. I would like the company to explain to me what happened.

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 2022-01-29 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, So I placed my freeze on XXXX and transunion and yesterday the loan officer for my mortgage asked me to unfreeze it which I already did after login on to the portal. 
He tried pulling my score but has been unsuccessful ever since. 
There is nothing wrong with my data because the loan officer is able to pull my score from XXXX so it tells me that the input data is correct. 
I called up XXXX and i online chatted with transunion and they confirmed that the freeze is lifted. 
I do not have any other ideas as they keep telling me that there is no issue to pull the score but my loan officer has sent me image evidence that the scores do not show. 

I am not able to proceed with my mortgage application which is very critical for me right now. Could you please help?

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 2022-01-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX, I received a notice from JP Morgan Chase, threatening to purchase condo insurance coverage, at my expense, as they stated they lacked proof of my own coverage. I immediately called to rectify the situation and was told by a Chase representative that, " this was our mistake '', " not to worry about it '' and " the situation has been corrected ''. They also advised that, while proof of the XXXX XXXX 's master policy was not required, it was still recommended that I submit proof of coverage. The following day, I contacted the association 's insurance agency and requested proof of coverage be provided. They forwarded a copy of the policy to Chase via email and I received an email from Chase to confirm the documents had been received. They promised to review and confirm but I never received a response. On XX/XX/XXXX, I received a second threatening notice from Chase, stating the same lack of proof of insurance and again threatened to purchase coverage at my expense. I visited their web site to try and upload copies of both my own personal coverage plus the XXXX XXXX 's master policy and found that both current, unexpired policies were already on the web site. I would look you to investigate this unfair and abuse practice and request an immediate cease and desist from any further threats against me. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
After nearly 20 years of payments and struggling at times thru fear of non payment I was misled from day 1 at XXXX XXXX XXXX with having a low credit score a predatory lending, beyond the compounded accrued interest owed during times of deferred and forbearance, I have tried so many times to contact them to just get my transcripts despite my inability to afford to finish my program. This horrible experience with XXXX XXXX XXXX and Sallie Mae then Navient has disrupted my life and for far too long I owed more than the original loan. I request all interest and late fees back and origination fees. Totaling approx {$1500.00}. I have paid money for my transcripts 3 times and they wont release it. That alone has cost approx {$100.00}. I cant get historic records they wont answer my questions without paying another {$250.00} to release my transcripts. 
{$1700.00} is a conservative request considering the devastation caused by my credit scores properly reported and getting inaccurate tax information and no access to statements. Im devastated. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NJ

Complaint narrative:
Hi today is XX/XX/2022 and I received a notice from my credit report stating I have a new open account. I called the company and explained to them that, that was not my account. I had no clue what it was about they explained to me and they asked for me to provide my information to pull up the account but they could only pull it up with my name. The social security number they had on file didnt even match my social security number. Now they said they will flag that account as it isnt mine. I asked if they can remove it they said they cant. I tried my best to see if they would be able to provide me with an email at least stating its incorrect and they said they cant. Im in the process of closing for my first home and this may really affect me now. I currently dont owe any debt to anyone so now this popped up on my credit report. My credit will be ran again the day before closing and this one huge mistake will make me lose the house Ive been working so hard on purchasing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
I requested 2 Cashier 's Check orders electronically on XX/XX/XXXX. My account was debited on XX/XX/XXXX, and it was stated that I the checks were sent on XX/XX/XXXX. I got XXXX tracking that same evening. When I went to pick up my package, only XXXX check was inside. I called Wells Fargo customer service, and was sent to a department. They then told me I had to either go to a local branch ( there are no branches in my state ) or wait 10 business days for them to complete the transaction. The transaction isn't urgent, but I am unwilling to wait this amount of time on an issue they caused in which they never sent out the check they debited my account for. The representative then brought their supervisor XXXX on the line, and I described the situation to him. He then said he'd place me on a brief hold to research it. I waited for over 30 minutes, and then the line disconnected or they hung up on me. I was never followed up with. I have been unable to get in contact with that department again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
The following accounts are reporting non compliantly on my credit report and should be removed immediately as per FCRA. Supporting documentation is attached.

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 2022-01-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: HW Holding, Inc
State: CA

Complaint narrative:
In XXXX of 2021 my husband and I moved out of a property managed by XXXX XXXX XXXX ( operating as California Investors ). The property had been lived in for 12 years and had a higher amount of wear and tear than most properties. Upon move out we were sent a itemized statement totaling over {$5000.00}. I have attached the edited version of the dispute letter sent to the collection agency. The charges were reduced to {$4400.00} however several items disputed were never addressed. We were not supplied with proper documentation ( receipts missing for most charges, photos missing for some charges, charging for items covered by wear and tear ). A 30 day notice to vacate was given but original creditor is still charging rent for that month. No response was given to original dispute, I had to reach out to the original creditor to attempt resolution. I asked for a debt validation from the collection agency ( Hunter Warfield ), and was sent the same information previously supplied. It was incomplete, missing receipts, some additional photos included but again my disputes were ignored. I drafted a formal dispute letter to the collection agency ( attached ) to dispute the amount owed again and before being able to send it I was notified the debt is now on my credit report. I have made it clear at every step that the amount owed is disputed.

Company response to consumer: Closed with explanation