vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I applied for a car loan on XX/XX/XXXX. I was denied credit because of my score, My income was great. I sent a letter to the ceo saying " The purpose of this letter is to inform you of what your business is doing is in correct. An error has been made on record and I'm responding to help you fix it. I, XXXX XXXX XXXX, Living person beneficiary to cestui que trust XXXX XXXX XXXX, applied for credit on XX/XX/XXXX. The vehicles XXXX XXXX is XXXX. I was denied. The car referenced is {$82000.00}. Im not trying to sue nor arbitrate your business. 
I have full faith and credit & I have rights to extend as much credit as I choose to give your business. An application was submitted with your business. I gave you credit after the application was submitted. Your company are Trustees in a fiduciary obligation. Your business is to fulfill their duties in the Trust. If your business not then fulfil their duties then a crime is committed by your company. This trust fraud. The law in which I am quoting is 15 U.S. Code 1.

In the truth in lending act 15 U.S Code 1605 & 15 U.S Code 1662 there is no cash is involved in a credit transaction. No down payment is required in connection with any extension of consumer credit. 
Fix this issue immediately as I am at risk of losing the desired vehicle. '' I am demanding wells fargo to open up my open end credit plan for the {$82000.00}!

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 2022-01-03 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: ALLIANT CREDIT UNION
State: NY

Complaint narrative:
I filled a dispute in regards to the incorrect items in my credit report. It has well been over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I filled a dispute in regards to the incorrect items in my credit report. It has well been over 30 days and I have not received any investigation results.

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 2022-01-03 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: MO

Complaint narrative:
I have been contacting the credit bureaus and auto loan company for months now and nothing has been done. I have been a victim of identity theft. I have been so stressed out over this address and auto loan thats not mine. It has been causing me to be denied for credit and has really taken a toll on my family financially during the pandemic. I need Equifax to take this complaint seriously and delete the fraudulent items from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have filed a dispute in regards the incorrect items on my credit report. It has been well over 30 days an I haven't received any investigation results.

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 2022-01-03 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: AL

Complaint narrative:
First I am submitting this complaint on my own without any outside assitance from any 3rd party companies. I mailed a dispute via USPS certified to XXXX, XXXX, and Transunion all delivered and signed for XX/XX/21 concerning inaccurate reporting on my consumer 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 2022-01-03 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: AL

Complaint narrative:
First I am submitting this complaint on my own without any outside assitance from any 3rd party companies. I mailed a dispute via USPS certified to Equifax, XXXX, and XXXX all delivered and signed for XX/XX/21 concerning inaccurate reporting on my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I had a XXXX limit on one Chase credit card and a XXXX dollar limit on another Chase card. I was over my limit by only less than XXXX dollars on the one card and under my limit on the other and they closed both accounts roughly last week ( around XXXX XXXX 2021 ). 

Ive made payments every month, have had the cards for a while. They just closed my account and tanked my credit score in return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: McCarthy, Burgess & Wolff, Inc.
State: AZ

Complaint narrative:
stated I did not order nor do I use XXXX also this bill had my street address and I have all bill sent to my XXXX XXXX XXXX My XXXX Phone is paid for by my girlfriend not by me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XXXX XXXX someone took {$2500.00} where they use my pin code. I never told anyone my pin code even my husband doesnt know it. The next day that person bought {$160.00} worth of XXXX XXXX in my card also bought {$3300.00} from XXXX XXXX store in XXXX XXXX. XX/XX/XXXX, {$1400.00} was used to buy at XXXX in XXXX. Ive never been in those places in my life. I assume that someone from chase bank use my personal information to go on a shopping spree for the holidays while they wipe out my account. Whoever did that should be ashamed of himself or herself for doing me wrong. I wont stop until something is done about this. I think the bank should have more advance technology where the customers can approve their purchase through text messages so they are aware of every transaction that is being done in their account. They should have known this long time ago I should not be the one to tell them. Its being a week since I made the report to Chase for this matter I still have not get my money back. I think if it was my credit card I think Chase would care more more to find out who did since its their money. What if I need to buy something I left with less than {$100.00} in my account. I thought chase cared about the customers money since they use costumers money to make billions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
With updates to the PSLF and TPSLF programs, I am seeking stundet loan forgiveness again. 

I have always fully qualify for public student loan forgiveness, but over ten years keep getting more and more red tape.

I have worked for two approved employers working an average of 30 or more hours per week, made 120 qualifying payments, consolidated my loans with FEDLOAN Servicing, and provided all necessary paperwork. 

They keep forcing me to resubmit my application which means going back to my employers for them to fill out forms again, again, and again. 

They have my IRS information, EIN for employers, contact information for my employers, and EVERYTHING they need to make a determination.

Instead they continuously send me a vague general correspondence saying they need something else or something corrected on my application.

The U.S Department of Education and PSLF program is CRIMINAL!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten 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 2022-01-03 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: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten 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 2022-01-03 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.

Complaint narrative:
Transunion Credit company is using a false credit report to deny me eligible credit. I discovered my social insurance number was fraudulent through civil litigation and the credit reports leave information on their which is incorrect to assist in human rights violations Because of this TD bank deposited my student loan into a different account because they are a part of this fraudulent activity. I discovered if your XXXX or XXXX  your social insurance number is fraudulent so you dont exist basically

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 2022-01-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Williams & Fudge, Inc
State: CA

Complaint narrative:
I am being harassed for tuition from XXXX XXXX XXXX XXXX and Williamd & Fudge Inc. for a semester of school that I never attended due to the COVID shut down. I unenrolled for the 2 classes with the school 3 times. The school was shut down due to COVID and classes were all changed to online which I never agreed to or attended. I have learning issues and online learning would not fit my situation. the bill is XXXX and in collection and it is not accurate. I have paid for all of my schooling that I have attended in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I filled 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 results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I filled 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 results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I opened an Amex XXXX  for XXXX XXXX on XX/XX/XXXX with a welcome offer of earning additional 9X Membership Rewards points for Shop Small within the first 6 months, up to {$25000.00}. I made a {$2200.00} purchase at XXXX XXXX on XX/XX/XXXX and a {$990.00} purchase XXXX XXXX on XX/XX/XXXX. But the 9X Shop Small bonus points for both transactions were never posted to my account. 

At the time of the transaction, both merchants were showing as Shop Small merchants on the Amex merchant map ( https : //www.americanexpress.comXXXX  ). XXXX XXXX is still on it as of today XX/XX/XXXX ( https : //www.americanexpress.com/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), see attachment XXXX. I have the Amex online chat records ( see attachment XXXX, XXXX, XXXX ) showing the chat representative confirmed XXXX XXXX was a Shop Small merchant on XX/XX/XXXX when I first inquired about the missing bonus points for this transaction. 

After that, I have contacted American Express many times about this issue. Once a chat representative even confirmed that the missing points will be credited within 8 to 12 weeks of the investigation case date ( XX/XX/XXXX ), see attachment XXXX, XXXX, XXXX. 

And till now, the points were still not posted. I also tried to contact Amex by phone about this issue in XXXX. And they sent me a letter saying " we are unable to process your recent Membership Rewards request '' but did not state any reason for that. This is a complete lack of customer care. I have wasted so much time fighting for the missing points that I should have earned, but the team just simply declined it with a sentence without any explanation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03 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: DISCOVER BANK
State: NY

Complaint narrative:
I filled a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03 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: FL

Complaint narrative:
On XX/XX/2021 I sent out a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like im being taken advantaged of and ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items in 30 days gives a reason to immedietly remove these items from my report, it has been over 60 days so the items should be deleted promptly. I demanded these accounts be deleted 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 gotten 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 2022-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I am submitting this complaint on behalf of myself and not any third party. I sent a letter to Wells Fargo certified mail tracking number XXXX it was delivered on XX/XX/21.

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 2022-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
This is involving my credit card account with Barclays Bank. 

My XXXX statement was released on XX/XX/XXXX for the period between XX/XX/XXXX - XX/XX/XXXX The statement started with a {$0.00} balance, I pay the card off in full every month, and I made {$500.00} in purchases during the XXXX statement period. The full amount due was {$500.00} and the payment due date was XX/XX/XXXX. 

I made a payment in the amount of {$500.00} on XX/XX/XXXX. That payment was reversed the same day due to insufficient funds in my bank, and the payment was resubmitted and successfully went through XX/XX/XXXX. 

An interest charge of {$0.00} was added to my account on XX/XX/XXXX, after initial payment was reversed. However, because the the payment wasn't due until XX/XX/XXXX, there was never any " Balance Subject to Interest '' in my account at any point and interest should not have been charged. 

On XX/XX/XXXX I spoke to a customer service representative about this interest charge, who said that the interest had been assessed correctly, but that she would add a " credit '' to my account in the amount of {$0.00}. 

On XX/XX/XXXX, this credit had not posted to my account. I spoke to three customer service representatives who did not acknowledge the error and also said that interest had been assessed correctly. They did not see a credit added to my account, but added the credit again, which I saw successfully posted. I requested a callback from a supervisor at Barclays to address the initial error. 

On XX/XX/XXXX, I received a callback from a customer service representative who initially refused to acknowledge that an error had been made. After 20 minutes, she put me on hold to look into my account again, and said that the interest charge was a result of a " banking error '' On XX/XX/XXXX, I reviewed my monthly statement for the XXXX period and saw that it reflected a " Purchase Interest Charge '' of {$0.00} with an " Interest Charge Adjustment '' ( made manually, after multiple phone calls ) of - {$0.00}. 

On XX/XX/XXXX, I called customer service to get confirmation that their banking error had been fixed and that I would not be impacted again. The representative told me that it was not a banking error, and that I was properly charged interest. No notes had been made in my file that a banking error occurred, or that there was any action taken to address the error in Barclay 's system.

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 2022-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have filed a disputed regards to the incorrect on my credit report. Its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation