vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-06 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: FL

Complaint narrative:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted and/or the late payments need to be updated.

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 2022-04-06 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: GA

Complaint narrative:
This was not sent in error. I am a consumer by law and 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 or been notified on my investigation status making my credit report not 100 % accurate

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 2022-04-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
My family and I moved out of the XXXX XXXX apartments in XXXX XXXX, TX in XX/XX/XXXX. We were never told by management that we had owed any money and we were paid up until we moved. We provided management our forwarding address and we also were still receiving mail at the property up to a month later. We never received any documentation regarding this collection, no phone calls. I have disputed this time and time again. This has been removed from my XXXX account due to the statute of limitations. Its been past XXXX years by TX laws and past XXXX years by GA laws. I didnt move from TX until XXXX. This has been removed and replaced on my credit several times in the past year and the balance has increased. This collection was also put on my credit in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: MO

Complaint narrative:
I put my loan in forbearance offered under cares act during the pandemic and the bank has jacked up the amount to high than it was before. 
I need an explanation because I understood that under the cares act there should not be any interest charges for the loan during the forbearance period. 
The bank has charged me XXXX XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: WAFD BANK
State: AZ

Complaint narrative:
Washington Federal was push on us by XXXX XXXX XXXX. We applied for a loan in XXXX and were approved. Fairway homes has a XXXX price lock which they do not specify that they have they right to eat up the days themselves. In our case XXXX took about XXXX of the 120 days. At this point WaFed ( Washington Federal Bank ) was telling us everything on our loan was ready for underwriting no issues. We get to the last few weeks and have met every deadline for XXXX XXXX this is where things got sketchy. WaFed kept telling us our loan was in underwriting everyday. They knew that the builder wanted to increase our loan by XXXX XXXX. We ask to speak to underwriting they say no they are in XXXX. At this point We were told we could waive our right to rescind and waive the XXXX day review of closing documents. We said if we could at least see some numbers we would consider. They would not send us any numbers for our loan. Here lies the problem XXXX is where the mother company for XXXX homes ( XXXX  XXXX ) who appears to also be the prefered lender WaFed. It seems like they did not finish the loan as a favor to XXXX XXXX XXXX in order to allow the price increase. There was nothing they needed from us. We asked multiple times what the problem was we requested someone in management to call no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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:
This was not sent in error. I am a consumer by law and 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 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 2022-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: DE

Complaint narrative:
I notified XXXX XXXX  on or about XX/XX/XXXX of 2020 that I switched auto insurance companies. My new policy started on XXXX XXXX on XX/XX/XXXX I received a notice of cancelation in the amount of {$740.00}. On 2020 XXXX it reported on my credit report I owed {$3300.00}. I have reached out to XXXX XXXX  via phone and email I sent all the docs that they stated they need to resolve this problem. I talk to one person a supervisor who stated it was resolved and my balance was zero only to receive a email saying they need more details this one states they need copy of all my insurance for the past two years. No problem I sent it still no action has been taken to remove this item from my credit report. This is hurting my score and as a result cause financial pain to my family.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/2022 I filed a trip cancelation claim as part of the benefit of my Chase Sapphire Reserve XXXX. We received notification that our XXXX XXXX XXXX that was supposed to depart XXXX, 2022 had been canceled ( booking number XXXX ). Per the terms of the trip cancelation policy at XXXX XXXX XXXX, we requested reimbursement for our non-refundable XXXX XXXX airfare ( itinerary number XXXX ) in the amount of {$3400.00} as we had no domicile to stay in due to the cruise being canceled. This process involved filling out a form through the benefits provider eclaimsonline.com. Upon being issued claim number XXXX, we followed the instructions and emailed the XXXX XXXX copies of ; ( 1 ) Carnival cancelation notice, ( 2 ) XXXX XXXX itinerary, ( 3 ) XXXX XXXX itinerary, ( 4 ) travel agent cancelation policy, and ( 5 ) XXXX XXXX cancelation. After continuously reaching out to the claims XXXX eclaimsline.com numerous times asking for the status of the claim, I finally received a phone call on XX/XX/2022 along with an email asking me to submit all of the same information again. I used the eclaimsline.com portal to upload copies of the same documentation and followed-up with an email asking if anything new was requested since this was a duplicate request for information. Each time I submit information, an automated message from eclaimsline.com tells me that I should receive a response if documentation was submitted within XXXX and should receive a response to any non-documentation requests within XXXX. This policy/procedure is consistently NOT being followed by eclaimsline.com. It is now XX/XX/2022 and I feel that I have no choice but to share my experience with others and escalate to the CFPB so that Chase XXXX leadership understands that eclaimsline.com is not properly administering trip cancelation benefits on-behalf of their most prestigious flagship credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXXXXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXXXXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 4. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted 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 non-monetary relief
Consumer complaint received 2022-04-06 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: VA

Complaint narrative:
I am disputing a debt collection for unverified debt connected to a lease. I moved out on XX/XX/2021. The balance on the account as of XX/XX/2021 was XXXX. I received a debt collection on my credit report in the amount of {$5700.00}. The debt collector sent me an itemized list of the debt that includes fees that do not apply to me at all. 
1. Two rent charges for the period XXXX XXXX ( illegal ). 
2. Reletting fee ( no person on the lease was altered ( illegal again ). 
3. Pet fees ( my dog is ESA and I dont pay pet rent ). 
4. Increased utility fees ( doesnt support evidence I have stating the outstanding fees ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: VA

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2022-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I filed a claim about transactions that was made on my account that I did not authorize or rarely use Wells Fargo did not help me at all

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 2022-04-06 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: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately 2. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( XXXX XXXX XXXX XXXXXXXX Account Number : XXXX As a consumer by law this account must be deleted immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: VA

Complaint narrative:
I applied for a Federal student plus loan in XXXX of 2021 and was denied. Although I have disputed the information on my report through your agency CFPB, XXXX XXXX even with me mailing in the information that disputes what is there on my report the agencies Transunion and XXXX refused to list the completely change the information accurately. Transunion and XXXX refused to correct what is on my report XXXX did so accurately after their investigation. As a result of XXXX specifically, the report specifically I have been constantly denied my student loan for medical school. Even with the letter sent into them and the federal government because of what is on my XXXX report I am constantly being denied for the loan although the federal government did write back to me that the information I provided them in that letter from XXXX Mortgage was enough to change what is in my report. The federal government refused to change my status of the loan request to satisfactory until the credit bureaus Transunion and XXXX complied with the letter from XXXX Mortgage.

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I applied for a Federal student plus loan in XXXX of 2021 and was denied. Although I have disputed the information on my report through your agency CFPB, XXXX XXXX even with me mailing in the information that disputes what is there on my report the agencies XXXX and Equifax refused to list the completely change the information accurately. XXXX and Equifax refused to correct what is on my report XXXX did so accurately after their investigation. As a result of Equifax specifically, the report specifically I have been constantly denied my student loan for medical school. Even with the letter sent into them and the federal government because of what is on my Equifax report I am constantly being denied for the loan although the federal government did write back to me that the information I provided them in that letter from XXXX Mortgage was enough to change what is in my report. The federal government refused to change my status of the loan request to satisfactory until the credit bureaus XXXX and Equifax complied with the letter from XXXX Mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI

Complaint narrative:
CAPITAL ONE : Account number : XXXX, Records show I have now missed only XXXX payment in over 6 years of having this card. This account is set up on autopay and has been for years hence why this account has such a good payment history. I have reached out to notify them that this must have been a mistake on their end as this account is auto charged. I did call them and they acknowledged that a payment was made that month but show how late on a date different then all the other months.PLEASE HAVE THIS FIXED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Outsource Group, Inc
State: MO

Complaint narrative:
I was told I could not set up a payment plan under the amount advised. Therefore, I called every month, making payments of {$30.00} because thats all I could afford. It was the middle of the month and they decided to send this to collections, even though I was making a payment monthly. I also settled this debt in full. I asked the representative if this account will be removed from my credit report and to send it in writing on a recorded line. I never received this document, nor did they send a request to the credit bureaus to have this debt removed from my credit report. I would like this debt removed from my credit report as they told me upon agreement of settling it in full. I would also like any negative missed payment remarks removed also.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXXviolated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-04-06 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: CURO Intermediate Holdings
State: CA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : SPEEDYCASH.COM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX XX/XX/2022 Re : Account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I have a car loan with XXXX XXXX that is serviced by Westlake Financial. I have made my car payment for XX/XX/2022, XX/XX/2022, and I tendered my payment for XX/XX/2022 on XX/XX/XXXX and received a payment confirmation number ( XXXX ) - which I have a picture of- which I just checked my bank account and I do not see this was actually taken from my checking - despite receiving confirmation from Westlake it was received. This morning, when I am current on all payments, or I thought I was, they came at XXXX am and repossessed my car. It is apparent now, despite tendering my XX/XX/2022 payment, they didnt take it - despite giving me a confirmation number they did ( again, I have a picture of this confirmation ). So they deliberately didnt take my XX/XX/2022 payment so that they could repossess my vehicle. I will be getting my car back today, but I want all extra fees, and costs of hassle reimbursed from Westlake financial for their fraudulent business practices and wrongful repossession of my vehicle.

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 2022-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: VA

Complaint narrative:
I checked my credit report on XX/XX/22 and it says I have two accounts which is wrong sense I have only one card. Then it also says that there is a revolving credit which is not right with a balance of {$35.00} and a credit limit of {$1000.00}. I have never seen or recognized this at all. I think something is not right here. I only have one credit card and two debit cards

Company response to consumer: Closed with explanation