vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
USbank, with whom I have my current mortgage at almost 5 % rate, sent me emails saying I could refinance with them for a better rate. I responded, and asked for a 15 year refinance at XXXX by the time I got a loan officer, somehow, I was talked into a 30 year at a higher rate. After 6 months, fulfilling all document requests, having an appraisal, and paying fees and making a {$350.00} improvement to the home ( to add a railing where none was really needed ) I was denied the refinance. They based the denial on my outstanding credit, which was the same throughout the period of my attempt to refinance. I feel that they knew, from the beginning, that I was not a good candidate but they put me through the process anyway. Now I am out roughly XXXX dollars, and, no refinance.

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 2021-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
On XXXX XX/XX/2021 I send a money transfer in the amount of {$170.00} by MoneyGram to a person in XXXX. 
The money transfer has never been picked up. 
On XXXX XX/XX/2021 I call MoneyGram to their phone number XXXX XXXX XXXX XXXX I talk to a representative for 16 min. answering all kind of question not related to the money transfer, At the end of the conversation the representative told me that a manager will call me within the next hour. 
That never happen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
XXXX CONTINUES to bully us regarding our vehicle loan. Today, XX/XX/21, I received an alert that the status of 2 payments from MONTHS ago have changed AGAIN. They were delinquent, then current, and then changed to delinquent AGAIN. They CONSTANTLY do this. They are CONSTANTLY intimidating us. They are CONSTANTLY bullying us. Its almost XXXX. We have been trying relentlessly to transfer our loan elsewhere due to their constant unprofessionalism and disrespect. They know theyre damaging our credit by changing payment histories for the SAME 2 MONTHS over and over. We are tired of it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have inquiries on my credit reports that are from after XXXX or XXXX when was the last time I tried for credit as I was trying for another car and got approved by XXXX  XXXX. I got an alert that a fraud was us so bus loan denied on my report on XX/XX/2021 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 non-monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Report Number XXXX Date Generated XX/XX/2021 Experian failed to delete this account from my credit report after the original creditor gave permission and all other CRA have deleted the same 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 explanation
Consumer complaint received 2021-09-04 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: Synovus Bank
State: FL

Complaint narrative:
I make payments through XXXX XXXX bill pay. I paid {$300.00} on XX/XX/2021 with an additional fee of {$5.00} for the next day 's payment to the company. XXXX XXXX states the payment was sent and received on XX/XX/2021 and the credit card company is saying the payment has not been received as of today XX/XX/2021. Now, First Progress credit card has charged me a late fee of {$40.00} and this has charge has put me over the limit of my credit balance which will be reported to the credit reporting agencies. This will impact my credit which I'm striving to improve and not have any late or over limits on my credit report. This happened once before when the bank was closed for the holiday and I was charged a late payment. I know from working at the bank for years that the processing doesn't close even though the retail side is closed. There's a small crew still working processing transactions. XXXX XXXX has put in an investigation which will take up to 10 days, while in the meantime I am being inconvenienced and impacted by this negative mark on my credit for which I paid my bill in time to be credited to my account. I would like to know who is at fault and my credit is corrected for this mistake. I will dispute this will the credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
To : Consumer Financial Protection Bureau XX/XX/XXXX, Re : Comenity Bank ( Lane Bryant ) account On XX/XX/XXXX, I paid my Lane Bryant Comenity account in Full. Two days later, unknown to me Comenity Bank charged my account a {$2.00} service fee. Im not sure why. On XX/XX/XXXX my account had a balance of {$30.00} that included a XXXX late fee. I had not made any purchases using my Lane Bryant card. Today, XX/XX/XXXX, at XXXX XXXX. I reached out to the bank and questioned the billing issue. The XXXX  male  customer service supervisor yelled at me and said it was MY fault that I did not notice the fraudulent billing sooner. He corrected problem, but continued to say that some people cant be satisfied. He dismissed the fact that Comenity Bank negatively impacted my credit for 6 months. He felt very comfortable yelling at ME and blaming ME. Many of us who have Lane Bryant accounts are XXXX American women. This is bank is XXXX  on XXXX people. You cant win, even with timely payments and a XXXX  balance! The structural procedures and practices to keep XXXX people at an economic disadvantage, and destroy your credit are XXXX XXXX. This is a prime example. 
I am requesting a thorough investigation into the Predatory lending and billing practices of Comenity Bank. I am requesting that Comenity Bank correct my credit report and provide the highest available rating for the previous 9 months. I am requesting Comenity Bank send me a letter apologizing and documenting the corrections on my credit report back 9 months to all reporting agencies. I am requesting a reduction of my interest rate to 3 % for 5 years with {$5000.00} available credit. I am requesting a {$2000.00} gift card from Comenity Bank ( Lane Bryant ) for their XXXX XXXX. 

Respectfully,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-04 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: SC

Complaint narrative:
I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. The reason I believe it is hers is because a furniture company claims that I have opened an account with them at our property but then again there is another name that was used XXXX XXXX so I am not 100 % sure none the less she does not admit to using my information but I can not explain how I have 3 repossessions on cars I did not finance and who could possibly be on the receiving end of a personal loan and furniture without my presence. I spoke with an officer XXXX in the Sheriff 's office and he advised me their department is very busy with evictions and subpoena 's and quite frankly I don't have enough information for them to make an arrest. I have notified the bureau 's but they did not respond or remove the fraudulent accounts from my credit report. Attached is a copy of my identity theft affidavit and the letters I have sent to the bureau 's.

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 2021-09-04 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: SC

Complaint narrative:
I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. The reason I believe it is hers is because a furniture company claims that I have opened an account with them at our property but then again there is another name that was used XXXX XXXX so I am not 100 % sure none the less she does not admit to using my information but I can not explain how I have 3 repossessions on cars I did not finance and who could possibly be on the receiving end of a personal loan and furniture without my presence. I spoke with an officer XXXX in the Sheriff 's office and he advised me their department is very busy with evictions and subpoena 's and quite frankly I don't have enough information for them to make an arrest. I have notified the bureau 's but they did not respond or remove the fraudulent accounts from my credit report. Attached is a copy of my identity theft affidavit and the letters I have sent to the bureau 's.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
XX/XX/XXXX the collection was XXXX  accoint # XXXX i never signed a contract with XXXX. then collection come back as ... I c systems then XXXX XXXX original contract i signed was with XXXX XXXX XXXX account # XXXX XX/XX/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 2021-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. There are several inquiries reporting on my credit report I don't recognize and I firmly believe she has been continuing to acquire credit in my name.

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 2021-09-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I am a victim of identity theft and I believe the culprit is my ex-girlfriend and mother of my children. Our relationship was very toxic so I moved out of our home and moved in with my parents while I stabilize because I can not afford two leases and since my move it seems like she has started using my credit without my permission. I don't want her to go to jail but clearly she doesn't understand how damaging this has been to my credit. There are several inquiries reporting on my credit report I don't recognize and I firmly believe she has been continuing to acquire credit in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2021, I received two letters via regular mail from WELLS FARGO, Fraud & Claims Management, XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, SD XXXX. Subject : Closure of your deposit accounts ; see attached letters from WELLS FARGO. 

I have never had an account ; checking or savings or deposit accounts with WELLS FARGO. I called the number listed and spoke to a XXXXXXXX XXXX XXXXXXXX and explained that I have never had an account with WELLS FARGO. In order to proceed they asked for the four last numbers on the Account number and Social Security number. I explained that I never opened an account with WELLS FARGO and wasn't going to give out my Social Security number as I was unsure that this was even WELLS FARGO I was talking to. When I explained that WELLS FARGO was caught by the Federal Government for opening accounts without peoples knowledge and was fined XXXX XXXX dollars, I certainly am concerned that this could be another fraud. Their answer was that without the Social Security number they could not do anything unless I gave them the SSA #, CC # or account #. Now how would I have that information if I never had an account in the first place? This is the reason I am writing the CFPB. Is this another scam or legit? If I received a certified letter, then maybe I would consider it legit.

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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The following information needs to be investigated I respectfully request to be provided proof of this alleged items, the contract note or other instrument bearing my signiture. failing that the item must be deleted from the report as soon as possible i did not authorize anyone to use my name or personal information to obtain funds credit loans goods or services or any other purpose as described in my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: OH

Complaint narrative:
XXXX XXXX on behalf of XXXX XXXX - Faith properties obtained a judgment against me that is being reported to the credit bureaus and it should not be. 

As of XX/XX/08 civil judgments are no longer to be reported on credit bureaus. In addition their judgment doesnt identify me with a date of birth, social or address. 

Also, in Ohio per ORC 2329.07 judgments are only valid for 5 years unless revived, which this account was not- its reported as charged off. 

Also, the amount of the judgment is incorrect.

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 2021-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Trans-union refuses to properly investigate unauthorized inquires that i did not do after several attempts of sending letters and phone calls they refused to investigate according to the FCRA they have 30 days to respond also according to FCRA anything unverified or inaccurate it must be deleted. 


Unauthorized inquires XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021

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 2021-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
PayPal has limited my account after receiving funds ( loan ) from my daughter through her PayPal account. Ive given all necessary data they need was assured that it would be lifted in 24 hours and its now almost 78 hours later and past their 3-5 days needed for review. Ive called Customer service everyday this week and have been told a number of different things, time frames, guarantees and my money is still not available for me to use for absolutely no reason whatsoever. I can not explain to you the amount of XXXX  this has caused me. I am a single mother with a XXXX XXXX child, no food in the house, bills starting to bounce and THEY WILL NOT RELEASE MY MONEY

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have inquiries on my credit reports that are from after XXXX or XXXX when was the last time I tried for credit as I was trying for another car and got approved by XXXX  XXXX. I got an alert that a fraud was us so bus loan denied on my report on XX/XX/2021 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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have inquiries on my credit reports that are from after XXXX or XXXX when was the last time I tried for credit as I was trying for another car and got approved by XXXX  XXXX. I got an alert that a fraud was us so bus loan denied on my report on XX/XX/2021 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-04 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: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX is not my present address nor is it my previous address i have requested that experian delete XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX Address ID # XXXX from my credit report but XXXX  is adamant on violating my rights under the FCRA guidelines by refusal to delete this address even after numerous requests to have it deleted. attached is my credit report with demonstrating evidence

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 2021-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The CFPB did not help me at all and is now not allowing me to provide feedback when they asked for it. The CFPB should NOT allow Equifax to provide a phone number for us that does not answer the question asked. It has taken over 2 years for Equifax to pay {$120.00} each to my husband and myself for the Equifax breach of personal info. They say they are still working on it, then our case ( XXXX ) is closed with no answer of WHEN we will be paid for the breach of our data!!! The CFPB should be demanding payment that has been promised to us for 2 years ( {$120.00} each ), yet we are being ignored and told to contact the FTC or else the CO Legal Services. This is the CFPB pawning us off on other agencies instead of them telling Equifax to pay people for the huge breach they caused over 2 years ago!!! Equifax also sent a confirmation number in a letter dated XX/XX/21 of # XXXX, when I never contacted them. I asked for help on this from the CFPB, and the CFPB did nothing, and then asked for feedback in an e-mail and then does not allow for that feedback to be provided. So here is my feedback : CFPB is nothing to help!!!!!

Company response to consumer: Closed with explanation