vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I lost my job after all government funded programs from the stimulus bills and everything else have ended in XX/XX/2021. I at that time had a credit score of XXXX  I now have a credit score of XXXX. I have a total of six credit cards they were taken out to rebuild my credit which I did when I had a good job paid them all 100 % on time and in three months time of not being able to pay none of them would lower my payment would take a partial payment or just stop the interest from building. So now I am totally screwed and 8000 and {$400.00} in debt unbelievable. And I waited for my unemployment for 23 weeks so I couldnt even pay the minimum when I was fired from my job unfairly I might add which I finally won the case of unemployment after 23 weeks of no money from any of you. I will list the credit card companies I dont think it really matters because whos going to pay my {$8000.00} back it sure aint gon na be Pennsylvania.

2cards -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Genesis Card Services is a disgusting company that would literally take your last dollar and leave you on the street thats genesis card services whoever owns that should be I dont know put away for just being a thief to low income people. {$8400.00} is my now total owed. Do you know what it is before I got fired 2160 bucks thats what it was and now since I got no unemployment for weeks and lost my job unfairly I owe over {$8000.00} that is disgusting in this country and I paid every bill on time so I could build my credit to a 700 from nothing I started at where I am now 400 this country makes me sick with that stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
Date : XX/XX/2021 Amount : {$2300.00} Collector has sent several communication mailings and phone calls regarding the debt

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 2022-02-14 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OriginalCreditor : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-02-14 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: WI

Complaint narrative:
I opened up a complaint ( XXXX ) ) that was closed based on American Express response . They indicated that I was informed that I was not eligible for the promo offer of 70,000 XXXX XXXX. I was NEVER notified. I would have cancelled my application at that time. Because I was not notified I made the required spend only to find out months later that I was not receiving the miles. I asked for a copy of what I was sent and proof that it was sent and acknowledged by me. I went through all of my emails and have no such email. I also did not receive any written acknowledgment. My wife received a promotion to make a referral which she did and it advertised 70,000 miles. I received the referral and completed the application and was approved very quickly.

The attached is American Express response that I received received to my complaint. They can not send me a copy of what they are saying I received. I am assuming it is a fine line in the application process. Why was I not notified when I received the approval and credit card? I would not have made the required spend on the card had I been notified that I was not eligible for the advertised offer. This was very non transparenton their part! 

If this can not be resolved I will take this to my attorney for review. I will also reach out to The Points Guy so he can warn people about the XXXX XXXX process. How awful as I am a very loyal American Express customer! 

I am a very fiscally responsible individual with an outstanding credit score. I think it would be required that I would be notified if I was approved for the card but was NOT APPROVED UNDER THE TERMS OF THE WELCOME OFFER THAT WAS ADVERTISED IN THE APPLICATION REFERRAL I RECEIVED. 

HOW DO YOU NOTIFY A COSTUMER THAT THEY WEREN'T APPROVED FOR THE WELCOME OFER? How would a customer know as I received NO CORRESPONDENCE REGARDING THIS FROM AMERICAN EXPRESS!! 

I called about this a few times and was told I needed to allow 8-12 weeks for the points to be deposited into my account. I did wait only THEN to find out I was not approved for the welcome offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had a checking account with Wells Fargo since XXXX. They closed my account due to lack of activities ( most likely in XXXX ), which I did not know then. I contacted Wells Fargo because I still had around {$1500.00} in my checking account left, and was told that they sent the remaining balance to Georgia Department of Revenue as unclaimed property. 

However, the unclaimed property could not be located by Georgia Department of Revenue in the system, with my name and Social Security number. I contacted Wells Fargo again, they said they are unable to provide information about when and how much they have sent as proof of such an action, all they know is that they should have sent it to Georgia Department of Revenue. 

To summarize, Wells Fargo claims that the remaining balance was sent as unclaimed property, but Georgia Department of Revenue has no record whatsoever, and Wells Fargo can not provide any proof or information about the action they took.

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 2022-02-14 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: AR

Complaint narrative:
Hey I was taken advantage of due to mal-practice while several laws were broken under the FCRA regulation by your company. This has caused me financial injury, defamation of my character, I cant get a job, a car, let alone apply for credit. I cant even get a SBA loan due to the crisis of covid. You have hurt my ability to obtain credit.

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 2022-02-14 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: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-14 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: NY

Complaint narrative:
I XXXX XXXX is a victim of identity theft

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 2022-02-14 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: NY

Complaint narrative:
I XXXX XXXX is a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: CA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Merchants and Medical Credit Corporation, Inc.
State: MI

Complaint narrative:
While I was attending XXXX University, I failed to drop a course I was taking at the moment. And I dont believe this was the actual balance when I was first contacted. I was under XXXX dollars. And during the time they were asking for the money I didnt have a job during Covid-19 from XXXX through XXXX. So I was unable to afford to pay for the balance. And the Unemployment wasnt going to be enough to provide for me and pay for the debt balance. Now I am currently working and going to school. So I just havent had time to go through my mail and read and contact anyone yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: TX

Complaint narrative:
I have no knowledge of these following accounts that apeears on my Experian credit report. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these accounts. I am requesting full validation for the following account names as it appears on my credit report : aXXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX {$1900.00} Account numberXXXX b. XXXX XXXX Original creditor : XXXX XXXX XXXX  {$1700.00} Account numberXXXX c. XXXX  XXXX  XXXX Original creditor : XXXX XXXX XXXX  XXXX {$74.00} Account numbeXXXX d. XXXX XXXX XXXX Original creditor : XXXX XXXX  XXXX  {$1600.00} Account XXXX e. XXXX XXXX XXXX Original creditor : XXXX  XXXX  XXXX  {$1500.00} Account XXXX f. XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX  {$1700.00} Account XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.

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 2022-02-14 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: AR

Complaint narrative:
Hey I was taken advantage of due to mal-practice while several laws were broken under the FCRA regulation by your company. This has caused me financial injury, defamation of my character, I cant get a job, a car, let alone apply for credit. I cant even get a SBA loan due to the crisis of covid. You have hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14 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: Experian Information Solutions Inc.
State: AR

Complaint narrative:
Hey I was taken advantage of due to mal-practice while several laws were broken under the FCRA regulation by your company. This has caused me financial injury, defamation of my character, I cant get a job, a car, let alone apply for credit. I cant even get a XXXX loan due to the crisis of covid. You have hurt my ability to obtain credit.

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 2022-02-14 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: WA

Complaint narrative:
Experian is showing an open account with a balance and I am not the owner, don't even know who the company is. Balances owning to other accounts are incorrect as well.

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 2022-02-14 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: TX

Complaint narrative:
Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report. I am requesting full validation for the following inquiries as it appears on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX Auto Financing Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX Bank - XXXX XXXX XXXX date : XX/XX/XXXX Removal date : 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 2022-02-14 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: TX

Complaint narrative:
I have no knowledge of these following accounts that appears on my Experian credit report. Im exercising my right under the Fair Credit Reporting Act, Section 609, to request further information about items on my credit report and request under the fair credit and billing act for information on what give the companies the right to collect on these account. I am requesting full validation for the following account names as it appears on my credit report : a. XXXX, XXXX Original creditor : XXXX XXXX  XXXX XXXX XXXX  {$2300.00} Account XXXX b. XXXX XXXX XXXX Original creditor : XXXX {$250.00} Account XXXX C. XXXX XXXX XXXX ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX  {$72.00} ACCOUNT XXXX I wish to see the original sources of the information reported including, but not limited to, the original contract or service agreement with my signature. If you cant provide me with this information, please remove the accounts immediately as neither your agency nor I can verify that they are reported accurately. Please do not send back to me as its Factual or Updated. This is not proper in the investigative process. Please provide the name and phone number to person your bureau has spoken with. 
Based on the FCRA and FTC Law, all information must be accurate, no errors and verifiable.

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 2022-02-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Online application for Sam 's credit was submitted on XX/XX/XXXX. A copy of driver 's license was required XXXX a video of myself. Application was then denied based on unable to verify identity which is ridiculous. When I called in a XXXX apologized & said, that I shouldnt have had to go thru this process, which seems to give Synchrony the right to deny applications based on race. The XXXX promised to call back XXXX  never did. Synchrony never sent a letter of denial only stating that I needed to verify my identity. The credit dept XXXX hung up on me during the call XXXX never called back. Spoke with XXXX XXXX, on XX/XX/XXXX who promised to have a XXXX follow up within XXXX hours. XXXX was advised that I recently learned that Synchrony Bank has seriously erroneous/fraudulent information on my XXXX credit report regarding XXXX credit card accounts XXXX & XXXX & XXXX XXXX XXXX XXXX XXXX closed accounts section. They show the account open for XXXX months with no XXXX made XXXX  a {$100.00} credit limit which is insane.

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 2022-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have tried numerous time to resolve the issue with the mortgage lender directly and are denied with a reasonably explanation. The issues for default were out of my control due to loss of income, separation, and then later covid 19. I had to resort to bankruptcy and and was making payments under XXXX  XXXX plan until covid happened and I was unable to maintain all payments current.

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