vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-26 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: IL

Complaint narrative:
Hi, I purchase a car from XXXX 's XXXX XXXX on XX/XX/2020. The car broke down on me several times on expressway and had me stranded alone. The dealership told me that they would fix it but I would have to it towed to them. Once, I had it towed to them they never fixed the car and this car is a part of the XXXX XXXX. They increased what I owed and I never agreed to these terms.

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 2023-04-26 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: Global Lending Services LLC
State: IL

Complaint narrative:
Hi, I purchase a car from XXXX 's XXXX XXXX on XX/XX/2020. The car broke down on me several times on expressway and had me stranded alone. The dealership told me that they would fix it but I would have to it towed to them. Once, I had it towed to them they never fixed the car and this car is a part of the XXXX XXXX. They increased what I owed and I never agreed to these terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX my wife and I entered into a repayment agreement with the XXXX XXXX XXXX. The terms of the agreement were for an initial payment of {$17000.00} on XX/XX/XXXX and then on or before XX/XX/XXXX monthly payments of {$4300.00} monthly thereafter, on a total balance of {$760000.00}. 

All these payments have been made on time and per the agreement. The XXXX initially reported to credit agencies in XXXX of XXXX that the loan was written off, which it was not, and then has since said we are non-payers/collections. This has ruined our credit, which we worked a lifetime to keep high and in a matter of months they single-handedly destroyed. At this point, some of the agencies have reversed XXXX erroneous write off claim, but not all, XXXX and Equifax. Recently XXXX completed their dispute by saying the XXXX claims it was accurate, even though I provided evidence of every payment on the XXXX 's own pay.gov site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX my wife and I entered into a repayment agreement with the XXXX XXXX XXXX. The terms of the agreement were for an initial payment of {$17000.00} on XX/XX/XXXX and then on or before XX/XX/XXXX monthly payments of {$4300.00} monthly thereafter, on a total balance of {$760000.00}. 

All these payments have been made on time and per the agreement. The XXXX initially reported to credit agencies in XXXX of XXXX that the loan was written off, which it was not, and then has since said we are non-payers/collections. This has ruined our credit, which we worked a lifetime to keep high and in a matter of months they single-handedly destroyed. At this point, some of the agencies have reversed XXXX  erroneous write off claim, but not all, XXXX and Equifax. Recently XXXX completed their dispute by saying the XXXX claims it was accurate, even though I provided evidence of every payment on the XXXX 's own pay.gov site.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Want to file a CFPB complaint against Chase Bank Credit Card Services for misleading, confusing, and unexplained interest rate increases that dates all the way back when I open my credit card account on around XX/XX/XXXX. I also, reach out to Chase Credit Card Services numerous of times between XXXX and XXXX to try get assistance for forbearance or secured credit card insurance plan due to my annual income being cut in half but was given the runaround and Chase Credit Card Services was not able to assist me properly at getting a forbearance or secured credit card insurance plan. So therefore, I tried one final attempt to reach out to Chase Bank Credit Card Services around XX/XX/XXXX for assistance at getting a forbearance or secured credit card insurance plan but again was given the runaround again. So then I was forced by Chase Bank Credit Card Services to file XXXX XXXX  Bankruptcy with XXXX  Attorney of XXXX Texas because Chase Bank Credit Card Services didnt properly assist me at getting a forbearance or secured credit insurance plan. So therefore, I feel Chase Bank Credit Card Services should refund me half my attorney fees and XXXX XXXX Bankruptcy fees which is around {$40000.00} to {$45000.00} dollars that dates all the back to XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: FL

Complaint narrative:
I am interested in processing disputes on my credit report with Equifax. checking all data this has been an reoccurring issue. please review an check all info that needs t be deleted. all data is in the files.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: DC

Complaint narrative:
Alot of things that is reported on my credit should have been removed but is still being reporting. It has been pass the FCRA statue of limitations ( 7 yrs ), however still reporting on my credit. They are falsely reporting accounts that have been paid off and my credit score is Inaccurate. There are still student loans that were from XXXX still reporting on my account falsely. This is a violation of the Fair Credit Reporting Act. I have disputed many of these items and they are still reporting on my credit falsely.

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 2023-04-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I had missed a payment or two last year for this credit card. I had fully paid off the credit card in XXXX and it has a XXXX balance. The card is also closed there is no interest anymore. I had received late strikes in my credit for my this. I had disputed this several times and nothing has come out of it. I have noticed yet again that this company is still reporting it as late when its closed and is paid off. I want this company to stop reporting it and leave it. Since XXXX of 2022, I have been sending letters and even emails. Only one letter was responded too, never one email was ever responded too.

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 2023-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: DHI Mortgage Company
State: FL

Complaint narrative:
I closed on a new construction property in Florida that is part of a Community Development District with a 30-year bond payment and O & M fees that are billed annually on my tax bill. While these fees were disclosed to me at contract and included on the first Loan Disclosure, there was a mistake made on later disclosures which reduced the total CDD amount from {$2500.00} to {$230.00} per year in the escrow estimate. The final loan disclosure at closing also had this error. I used this information from the loan disclosures to budget my annual mortgage payment and then made a decision to change from a 30-year term to a 15-year term. Once my first tax bill was sent at the end of XXXX, I realized that the CDD fee is a separate amount, above and beyond the property tax which was not properly explained or disclosed in any of my closing documents. In fact, the mistake is captured on an Unimproved Tax Disclosure which was signed at closing. The end result is my escrow account was short {$9800.00}. The mortgage company did notify me to send an extra {$410.00} per month to account for the difference in taxes assessed at closing on raw land vs what would be billed in XXXX on the improved land. This equals {$4900.00}. Because my escrow was in further shortage, I sent {$6700.00} to escrow in XX/XX/XXXX. But my escrow is still short plus required reserves resulting in my mortgage payment increasing by nearly {$800.00} per month in XXXX. I believe my mortgage in XXXX and beyond will be well above what was disclosed on the final loan closure due to this CDD error which DHI Mortgage has admitted making. The mortgage company has agreed to compensate me for just over {$2000.00} which represents 14 months of what they calculate the CDD error to include. I believe their mistake impacts me for the 30 years of the bond payment. Even after closing this mistake continued with an email in XX/XX/XXXX which is attached. Lastly, my loan was sold from DHI Mortgage to XXXX XXXX lending effective XX/XX/XXXX. To my escrow shortage is being paid to this lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Frontline Asset Strategies, LLC
State: TX

Complaint narrative:
XXXX created an account ( XXXX ) for me and started charging me without sending any sim card or providing me any services ( between XXXX XXXX XX/XX/XXXX ), every time I called their contact center they agreed that I should not have been charged because they never offered me any services. And 4 times then promised me that right team ( at the back-office ) will waive off the due amount. But it was never addressed. I have escalation ticket - XXXX XXXX for my last conversation. 

In Spite of all the commitment I am now getting calls from collection agency called Frontline asset strategies ( with account XXXX ) asking me to pay the debt and they are refusing to come on a conference call with XXXX XXXX. 

Request you to please help me with this malpractice from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
On or about XX/XX/2023, I submitted an application to Barclays for a XXXX XXXX XXXX and it was assigned application number XXXX. By letter dated XX/XX/2023, I received a letter stating that Barclays was unable to approve me for a XXXX XXXX credit card account because " Our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' The letter further stated that " A credit bureau report was not used in making this determination. '' I have never had any previous credit card account with Barclays that experienced " charge-off, bankruptcy, severe delinquency, or other negative performance. '' The denial of the application for a XXXX XXXX XXXX was apparently a direct result of a prohibited act under the Federal Equal Credit Opportunity Act that prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, XXXX, marital status and/or age. There were no other basis that would have justified the denial of the 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 2023-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: GA

Complaint narrative:
On XX/XX/2022, Nelnet received a payment of {$18000.00} as part of a consolidation with another student loan servicer ( XXXX ). On XX/XX/2022, despite having a XXXX XXXX remaining on my student loans, Nelnet debited {$200.00} from my XXXX checking account. I called in several times after that and was told that the overpayment would be refunded to my XXXX checking account. When I had not received the payment by XX/XX/XXXX, I called in and was told that the payment had been forwarded to XXXX. I have checked multiple times with XXXX and with XXXX, which assisted with the loan consolidation. Neither company has any record of receiving any payment from Nelnet. Nelnet is unwilling to assist me further and is telling me that the money was sent. As such, Nelnet either lost or stole my {$200.00}. 

Nelnet has failed to provide any explanation except that they are investigating. They have been " investigating '' for months with seemingly making no progress on resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: GA

Complaint narrative:
I made an order with XXXX XXXX on XX/XX/23. I want this item for my birthday and which was XXXX. I realized after speaking with merchant they stopped my order. I disputed the charge with Chime. Chime then said they denied my dispute. I contacted the merchant. They sent me an email stating which a screenshot that they tried refunding me the money but couldnt but the bank froze the funds. Chime has denied my dispute 3 times. Please help me retrieve my {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: MO

Complaint narrative:
Paid for a product not received on XX/XX/23. Total amount of {$110.00} for tickets that were to be transferred to me after exchange of funds via Zelle. Transaction was made via Zelle, but no product received. Have screen shots of conversation between myself and the scammer. All profiles of this scammer/thief have been deleted off of XXXX platform and XXXX. Currently trying to dispute with my financial institution under Regulation EXXXX Scam was initiated on XXXX platform. Attached is the screen shot showing the transaction of my funds being transferred. Have more screen shots if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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:
TransUnion is Reporting Information that is Detrimental to my Livelihood on my Credit Report I have asked for Proof and have not received that information as of this date. 
This matter will cost me dearly if not corrected. 
I have been charged with enquiries ; I want to know how when. 
1. There should be a Freeze on my Report 2. The company all have not records of summiting applications I need this to be investigated as my score was dropped when I was in the Home buying process

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 2023-04-26 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: World Acceptance Corporation
State: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Block, Inc.
State: VA

Complaint narrative:
I received mail from Cash App yesterday ( Tuesday XX/XX/2023 ) with a Visa Debit card from Cash App. It had my name, a number, CVV, and expiration. On the card it said XXXX XXXX at the bottom along with cash.app. The paper that the card was attached to said Block , Inc. on it. From what I understand Cash App is owned by Block Inc. I did not ask for a card from them. I am concerned because I recently got a letter from XXXX XXXX about an account that was requested online. I see that there was legal action between Block and CFPB as well. When I called ( just now ) they asked me for my name and how long I had been living at my address. They wanted my email address to provide a link so that I could send them pictures of the card. I am really suspicious so I am afraid to move forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Alliance Collection Agencies, Inc.
State: IL

Complaint narrative:
Since XXXX i have called XXXX XXXX to get this resolved by explained to them that this person : XXXX XXXX XXXX is not related to me. They told me that they were going to place my account on hold and no longer send me bills nor send me to collections. They did send me to collections and now I have this on my record I would like to get this taken care of because this is not my debt and is fraud. 

I have Called 4 times and been told the same thing they went to their lead and said that everything was taken care of and that I should have nothing to worry about. This is not okay I'm very upset. I've been trying to work on my credit and this is just bring it down even more. I want to know what else I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26 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: IL

Complaint narrative:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days.

See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-26 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: VA

Complaint narrative:
I have attempted to contact the credit reporting agencies to correct negative, incorrect information being reported which is causing me harm due to the fact I can't conduct certain business necessary to take care of me and my family 's needs. It is nearly impossible to speak with anyone at any of the CRA 's. The operators either disconnect the call or there is only an automatic response prompt which is never helpful.

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 2023-04-26 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: FL

Complaint narrative:
I am interested in processing disputes that will delete all inaccurate information on my credit report with transunion. please review an delete all information listed. this has caused alot of delays in my file. this has been an reoccurring matter that needs to be corrected please delete asap.

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 2023-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I never received a product or bill statements. Spoke with company and they started they would look into it i sent over all information i have to prove i never received the product, they told me they would place my account on hold and give me a follow up call or mail/email. A week later i started getting calls from a collections agency and also a voicemail stating if i didnt call back they had no other choice but to escalate the situation and also brought up and attorney Im guessing to scare me that i would be sued. I called them and they advised the company denied my request to look into my missing product. I am paying for a product i never received and i am still getting calls!

Company response to consumer: Closed with explanation