vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

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 2022-02-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
Fair Credit Reporting Act 15 U.S.C. 1681b Ignorance of the law is no excuse!

I am the natural person consumer and original creditor.

I am evoking my specified remedy as the consumer and original creditor and I demand your company to remove and delete all negatives/ collections from My Consumer Report.

Your company is governed by the Fair Credit Reporting Act and must abide by the laws set forth and 15 U.S.C. 1681b permissible purpose of consumer reports.

( A ) subject to subsection ( c ), any consumer reporting agency May furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the court order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with Section 5318 of Title 31 or section 3486 of Title 18.

( 2 ) in accordance with the written instructions of the consumer to whom it relates. 
This 100 % cruise I am the consumer and original creditor and I have not given my written instructions to your company to furnish any information on my consumer report and I demand a full removal and deletion of all negative accounts. 
I know my rights as a consumer and your company is in violation of my right to privacy. Failure to respond satisfactorily with deletion will result in legal action against your company for which I will be seeking {$1000.00} per violation. 
I am the consumer and I have a right to privacy and my Consumer Report is not public record. As well the Fair Credit Reporting Act makes it clear your company can not furnish public information without my written instructions. I demand you to stop infringing on my right to privacy and delete all negative and collections from My Consumer Report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: MidAmerica Mortgage Inc
State: CA

Complaint narrative:
I have had a very difficult time with Mid American Mortgage. I have tried to submit for a loan modification several times. I was never able to communicate to the same person which always caused confusion. Mid American Mortgage always seemed to lose my paperwork, which I constantly had to re-fax. I am a XXXX Veteran who can afford his mortgage. I have been declined and I do not believe I was correctly reviewed. I do not believe the underwriter used my correct income for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: OH

Complaint narrative:
I sent in a dispute letter to remove unauthorized inquiries. I included a fruad report, my id and social along with a utility bill to match my current address. Inquiries are still showing on my report and I havent been contacted after the 30 day mark. I sent out letters on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
INFORMATION THAT I PROPERLY DISPUTED I WASN'T UPDATED ABOUT!

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 2022-02-26 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have sent several letters to Experian over the course of the last 6 months. I have provided copies of my consumer report as well as identified inconsistent and erroneous information that should not be on my report and they have yet to sufficiently respond. I have asked specifically for original contracts with wet signature. They keep sending computer generated responses instead of actually doing an investigation. They fail to answer any of the questions in my disputes which proves they are not even reading the letters. I sent sent them specific laws listed in the FCRA that they have failed to abide by and they again have not done anything about it. This is damaging to my report and harmful to my consumer reputation. I have been denied credit due this this incorrect information being furnished on my report. It needs to be removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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: EQUIFAX, INC.
State: PA

Complaint narrative:
No permissible purpose was given. Pursuant to 15 USC 1681b ( a ) ( 1-2 ). Pursuant to 15 USC 1681 ( a ) ( 1-4 ) the banking system is counting on consumer reporting agencies to report accurate and fair information to my credit file which you haven't. by reporting inaccurate information without my written consent first, you are violating my right to privacy which is in direct violation of 15 USC 1681 ( a ) ( 4 ) and The Privacy Act of 1974. You also cant claimed you verified any accounts unless you an prove you did what you suppose to do Pursuant to 15 USC 1681a ( e ) Which defines " investigative consumer report '' personal interviews with neighbors, family and friends and must show proof via affidavit of fact. Pursuant to 15 USC 1681a ( e ) stats that my consumer report should not include any factual information obtained directly from the creditor. If all accounts are not removed in 30 days as stated in 15 USC 1681i ( 1 ) ( A ), I the consumer will seek remedy 15 USC 1681n ( a ) ( 1 ) ( A ) ( B ) ( 2 ) ( 3 ). I demand that you block these alleged accounts Pursuant to 15 USC 1681c-2. You Credit Reporting Agency did have permission from me the consumer to furnish any alleged debt to my consumer report and that is a direct violation of 15 USC 1681a ( d ) ( 1 ) which states a consumer report means any written, oral or other communications. 15 USC 1681a ( d ) ( 2 ) ( B ) also states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from my consumer report. All the account listed in the Identity Theft Report are all extension of credit that need to be removed. You Credit Reporting Agencies have a obligation to follow procedures pursuant to 15 USC 1681e ( b ) to assure maximum possible accuracy of the information that is being furnished on my consumer report. Pursuant to 15 USC 1681i ( a ) ( 5 ) when an account is inaccurate or unverifiable it should be deleted immediately. You will be held liable for willful non compliance and physical and emotional damages. Pursuant to 15 USC 1681n ( a ) ( 1 ) ( A ) no more than {$1000.00} fir each violation you have violated. Also 15 USC 1681o for negligent non compliance an I will be seeking remedy for the damages you have caused for failure to obey federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have a car loan with Huntington Bank. They make the process of setting up auto draft incredibly difficult. This is obviously in effort to collect more late fees. They would not let me setup auto draft online or over the phone. I made an error in entering my checking account number when doing the physical paperwork. Rather than calling, emailing, or even mailing me a notification they just let my payment be late and charged a fee. After several phone calls and trying to get auto draft setup, it still is not setup. Theres alway a technicality in why I cant setup autopay. Now, I paid my balance on XX/XX/XXXX Im full. My payment is due today ( XX/XX/XXXX ) and there is another late fee for no reason at all. The late fee stops me from setting up auto draft. Most importantly, there should not be a late fee. My payment is not late. Now I have to call the bank again to get the late fee remove. The lack of options for making online or recurring payments is unacceptable with technology today. Activity on the monthly statement does not match the activity on my account history on the mobile app. Huntington Bank is deliberately making this difficult in order to extract unjustified late fees from consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Had notified the company of a hardship that occurred which was an unknown separation XXXX of employment from an immediate death in the family. My credit card was supposed to have a temporary hold processed which was never done. Not long after my credit card account was closed and put into collections. I was offered no assistance to resolve the account before it was closed and put into a collection. This situation occurred between 5 and 7 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation.

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 2022-02-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Foris DAX, Inc.
State: MO

Complaint narrative:
Account is locked out. After 2 months and over twenty video verification, was told I need to provide a new physical mailing address, new phone number, new email, new XXXX, new antiphisping verification before I any proceeding to access my assets.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-26 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
INFORMATION THAT I PROPERLY DISPUTED I WASN'T UPDATED ABOUT!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
INFORMATION THAT I PROPERLY DISPUTED I WASN'T UPDATED ABOUT!

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 2022-02-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
The Amex XXXX includes a {$200.00} prepaid travel credit for hotels every calendar year. I booked a hotel room, but severe weather prevented me from reaching the hotel. 

Amex XXXX refused to move the dates. They ultimately agreed to cancel the hotel room but reversed the {$200.00} credit, so I did not receive the promised benefit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Fair Credit Reporting Act 15 U.S.C. 1681b I am the natural person consumer in original creditor. 
I am invoking my specified remedy as a consumer in the original creditor and I demand your company to remove and delete all negatives/ collections from My Consumer Report.

Your company is governed by the Fair Credit Reporting Act and must abide by the laws set forth in 15 USC 1681b permissible purpose of consumer reports.

( A ) subject to subsection C, any consumer reporting agency May furnish a consumer report under the following circumstances and no other : ( 1 ) in response to the court order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with Section 5318 of Title 31 or section 3486 of Title 18.

( 2 ) and of course with the written instructions of the consumer to whom it relates.

This proves I am the consumer in original creditor and I have not given my written instructions to your company to furnish any information on my consumer reports and I demand a full removal and deletion of all negative accounts. I know my rights as a consumer and your company is in violation of my right to privacy. Failure to respond satisfactory with deletion will result in legal action against your company for which I will be seeking {$1000.00} per violation.

I am the consumer and I have a right to privacy and my Consumer Report is not public record. As well the fcra makes it clear your company can not furnish public information without my written instruction. I demand you stop infringing on my right to privacy

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 2022-02-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XX/XX/2022 On XX/XX/2022 my car was broken into at the XXXX XXXX XXXX in XXXX, Colorado. I immediately filed a police report with XXXX XXXX XXXX of the XXXX Police Department. My case number is XXXX. My purse and wallet were stolen. My Wells Fargo ATM card was among the stolen items and I contacted Wells Fargo the following day, XX/XX/2022, to inform them of this fact. There was a fraudulent debit card transaction on my account in the amount of {$1900.00} which posted on XX/XX/2022. 

I was informed that my fraud claim would be investigated. I expected that because the Electronic Fund Transfer Act ( EFTA ), I would be reimbursed for the full amount. 

I subsequently received an e-mail from Wells Fargo Claims Assistance Center on XX/XX/2022 telling me the inquiry was closed and a letter informing me of its decision was forthcoming. I immediately contacted Wells Fargo by phone wishing to know of its decision. I was informed by XXXX that my funds would not be replaced. I informed XXXX that under the EFTA, since I notified the bank within 24-hours of my stolen ATM card, my liability was limited to {$50.00}. I was informed by XXXX that a resolution specialist stated that the full amount would be credited to my account within 24-48 hours and possibly the same day. 

As of today, Wells Fargo has not credited my funds back into my account. 

I would like the CFPB to inquire into : Why my funds have not been credited into my account as required under the Electronic Funds Transfer Act ( EFTA ).

Why their fraud department is unaware of the EFTA.

What their policies and procedures are concerning lost or stolen ATM card and whether they are in compliance with those policies and procedures. 

Thank you in advance for your attention to this matter. 

XXXX : Email to XXXX XXXX on Wednesday, XX/XX/2022 Bank emails Bank statement 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