vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-31 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: FL

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 : 5. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. Validate Account XXXX XXXX Account Number : XXXX Please remove it 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 2022-03-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
I ordered my XXXX from XXXX in XXXX and returned it towards the end of XXXX, in line with their return policies which gave me until XX/XX/2022 to make the return. I have chat transcripts that confirm that XXXX received the return on XX/XX/XXXX, but I never received a refund despite multiple attempts at contacting customer service and agents telling me that I would receive communication from XXXX. As such, I initiated a dispute with Apple Card on XX/XX/2022 and I received communication today on XX/XX/2022 that the dispute was not found in my favor because " the items you purchased have not been returned to the merchant for a refund. '' I don't feel Apple Card has handled this dispute correctly, when XXXX has told me that they did in fact receive the item that I returned. Apple Card also never asked me for the screenshots or documentation that would show that I did return the item. Now, I am being told that a new dispute would take up to 90 days, meaning it could take until XXXX to potentially reach a resolution on this case. In the meantime, I am out {$1900.00}. Additionally, Apple Card has not sent me the documentation to explain why the original dispute was not found in my favor as they are expected to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Radius Global Solutions LLC
State: KS

Complaint narrative:
Radius global solutions is trying to collect incorrect account balance and purposely trying to damage credit to make money from 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 2022-03-31 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: TX

Complaint narrative:
As of today XX/XX/31 Equifax closed their investigation into my credit report. This did nothing. My credit score shows XXXX. Ive had a credit card for over 10 years, a car loan, utility payments, rent payments, etc. Equifax has refused to fix this problem for the past 4 months. XXXX and XXXX show my credit score is over XXXX, yet Equifax shows my credit is nonexistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2022-03-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2021 I entered an agreement and signed in good faith a contract with XXXX XXXX, property manager representing XXXX XXXX XXXX, to manage my property ( Guest house ) located at XXXX XXXX XXXX. They collected a check for the amount of {$950.00} and it has been cashed on XX/XX/2021. It was for paying {$600.00} for the city of XXXX XXXX XXXX registration processing fees and obtaining a short rental vacation permit and the remaining ( {$350.00} ) to be on hold for any unforeseen future repairs may be needed. I did confirm with the City of XXXX XXXX XXXX XXXX and nothing had been submitted for over a month and subsequently I incurred damage and financial loss of rentals income during the hot season. After numerous phones and emails, for several weeks XXXX XXXX, Director of XXXX XXXX XXXX XXXX informed me that they cancelled the contract agreement and do not wish to pursue anything further and hung up the phone. I called him back, left voice message and emailed him requesting refund of the service and had and processing fees which they never processed, and also requested from him to return the keys, contract I signed, destroy any confidential information including passwords and any other items. XXXX XXXX emailed back on XX/XX/XXXX that they will return the money but they never did. I made several requests but never received a reply or refund for the cancellation of the contract. At this time I urged PNC bank to dispute the transaction and was told in XXXX it will and have been waiting for the past 5 weeks. Yesterday I was informed by PNC bank that they denied my request and will not refund me the {$950.00}. 
I also request that XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX to return the following : 1-The original contract I signed. 2-A check for {$950.00} 3-My property key 4-Compensation and Interest for my financial loss of vacation rent. 5- An apology and statement that they will not DECEIVE further homeowners and to improve their treatments

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: GA

Complaint narrative:
Equifax did NOT do proper investigations into the charged off XXXX XXXX account on my credit report. Equifax states they did an investigation from XXXX to completion on XXXX ; Equifax Case confirmation number : XXXX ( myequifax ). 

According to the FCRA they did not do this. 

Equifax states they did an investigation but how if the service address associated with this XXXX account is inaccurate and fraudulent? 

Equifax also needs to explain why XXXX has completed an investigation on this very same XXXX XXXX account and they have since removed it from my XXXX credit report. 

How does XXXX do an investigation and remove this inaccurate/fraudulent XXXX account but Equifax does an investigation stating it's accurate?

If Equifax had completed an actual investigation into this matter they would have had the same outcome as XXXX. 

Not only does EVERYTHING on my credit report have to be 100 % accurate according to the law Equifax has to have " my written consent to furnish accounts on my consumer report. '' I have contacted the FTC and the GA Attorney General on this issue with Equifax. 

Please see attachments. 

The last attachment shows Equifax did nothing concerning this issue after the first CFPB Complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: IL

Complaint narrative:
I have tried to dispute accounts with Experian, with these accounts. 

1.XXXX  XXXX XXXX 2. XXXX XXXX XXXX 3.XXXX  XXXX 4. XXXX XXXX XXXXXXXX and I have not been successful in deleting it. Experian not compliant with FCRA 605b.

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 2022-03-31 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: LA

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.

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 2022-03-31 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: FIDELITY CAPITAL HOLDINGS, INC
State: TX

Complaint narrative:
Fidelity Creditor Service contact XXXX I contact them again because they response was that my ex partner settled this debt but they wont remove from my credit because I need to pay them also. First of all I asked them from details of the debt and they wont provide me with it. They said they have a lease with my signature on it for this rental when clearly my ex partner was the only one on this lease. So if she had settled the debt why is it on my credit still. It shouldnt be on my credit at all in the first place.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Law Office of Harris & Zide
State: CA

Complaint narrative:
XXXX XXXX had split up. All communications from XXXX XXXX ceased. I was not told that XXXX is the new loan holder. I did not received any communications from XXXX regarding the split or that they are in charge of my student loan. 

In XXXX XXXX & XXXX took me to court on behalf of XXXX. I did not know who XXXX was, and still have not heard from XXXX except for the yearly student 1098-E Tax form. I've contacted XXXX to ask them why they are sending me the form when I have never made any payments to them. During the court hearing I was informed that XXXX is XXXX XXXX. 

I was ordered to make payments to Harris & Zide. I asked the attorney representing Hariris & Zide what my monthly payment is,. and he responded " whatever payment you can make. I leave it up to you. '' I've been paying either {$100.00} or XXXX a month. 

Harris & Zide returned my payment for the month of XXXX, XXXX. The letter dated XX/XX/XXXX, stated that " the check is being returned due to ACCOUNT CLOSED WITH OUR OFFICE. '' The letter was from XXXX XXXX, XXXX XXXX. I immediately called and left a message. No one from Harris & Zide returned my call. On XX/XX/XXXX, I sent a letter to Harris & Zide for clarification on what " Account Closed '' mean. Do I still owe the money, should I still be sending a payment, the status of the judgment against me. 

On XX/XX/XXXX, I called Harris & Zide again. I was told by the staff member that my account is closed, and that I have to contact XXXX XXXX regarding my payment. I Responded that it was Harris & Zide that took me to court. All payments were made to Harris & Zide since XXXX. 

Prior to the law suit no one at XXXX XXXX has any record of me. No one from Customer Service could help me because they could not find me. Had XXXX XXXX contact me to let me know that my account is no longer with them and that XXXX is handling my student loan I would not have a judgment on my record. 

No one has reached out to me regarding making payments. In XXXX XXXX have no record of my account, XXXX did not respond to any of the letters I wrote asking for documents showing that I have a loan with them. 

I can not contact an agency that I have no dealings with in over 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I submit complaint XXXX, but I entered the wrong company in step XXXX of the complaint. Washington Mutual XXXX XXXX XXXX XXXX  should have been the company name listed in step XXXX, instead of XXXX XXXX XXXXXXXX. I am resubmitting the complaint with the corrected information. 

In XX/XX/XXXX, I entered into a Fixed Rate Loan Modification Agreement with Washington Mutual XXXX XXXX XXXX XXXX. 

In XX/XX/XXXX, the Fixed Rate Loan Modification Agreement was paid off by refinancing with XXXXXXXX XXXX XXXXXXXX. The refinanced mortgage was filed by title company - XXXX XXXX XXXX ( now out of business ). XXXX XXXX XXXX did not not cancel the Fixed Rate Loan Modification Agreement in XXXX  ( county ) records and it is still showing active. 

Currently, I am in the process of selling the property, but I can not move forward because of the active status of the Fixed Rate Loan Modification Agreement in the XXXX ( county ) records. 

I need the Washington Mutual XXXX XXXX XXXX XXXX. Fixed Rate Loan Modification Agreement released, so that the sale of the property can proceed. Not having the release promptly resolved puts the sale of the property in jeopardy. I have also attached supporting documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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: U.S. BANCORP
State: NC

Complaint narrative:
My credit was pulled by XXXX XXXX XXXX on several ocassions. I didn't apply for credit or authorize a credit inquiry. I want them removed asap. The dates of the inquiries are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
The same for US Bancorp XX/XX/XXXX XX/XX/XXXX and lastly XXXXXXXX XXXX XXXXXX/XX/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 2022-03-31 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: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
My credit was pulled by XXXX XXXXXXXX XXXX  on several ocassions. I didn't apply for credit or authorize a credit inquiry. I want them removed asap. The dates of the inquiries are XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. 
The same for XXXX XXXX XX/XX/XXXX XX/XX/XXXX and lastly Ally bank XX/XX/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 2022-03-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rausch Sturm LLP
State: CO

Complaint narrative:
frequent and repeated use of automated machine to call... 

also, will not accept XXXX for payment.

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 2022-03-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: R & B Corporation of Virginia
State: VA

Complaint narrative:
On or about XX/XX/2021, I went to the emergency room for XXXX like symptoms at XXXX XXXX XXXX. I was very XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX was elevated and I was unable to drive to XXXX to the VA Medical Center. I attempted to make payments and since the account balance I have struggled with XXXX and XXXX and have stopped working. I'm not XXXX XXXX XXXXXXXX and now attempting to live on a fixed income. I initiated a call to XXXX XXXX today and spoke to XXXX and was advised that my account was sent to Collections : Credit Control : I never received a call from XXXX XXXX or any letters and if so I would like to see proof of such. I also didn't receive any letters from Credit Control stating they are servicing an account for me. I thought the Medical Accounts due to possible XXXX exposure could be forgiven? It's sad that someone that has served this country is being threatened to have such a small bill placed on their credit by XX/XX/XXXX or pay 30 % of a balance which I don't know is even correct.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31 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:
XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXXXXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL 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