vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-17 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: NV

Complaint narrative:
On XX/XX/2021, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXXata breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 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: OneMain Finance Corporation
State: PA

Complaint narrative:
I have working with a consumer law person to repair my credit. I requested my consumer report from XXXX. Upon receiving it I reviewed it and discovered an error. The account with One Main shows that the account was paid in full/charge off. I noticed some discrepancies while reviewing other reports. According to USC 1681E ( b ) if the information is not accurate across all the reporting agencies it needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
XXXX reported a Bankruptcy on my credit report they said was verified by XXXX. 
I contacted XXXX that said they have no such information. Please have XXXX remove this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 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:
On XX/XX/2021, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 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 am a victim of identity fraud. A fraudster tried to open an account using my information. I was able to stop them via my real time alerting. I contacted the bank. XXXX and stopped the credit card app. The fraudulent application triggered a hard inquiry that stays with me for 2 years. I have been able to resolve with 2 other credit bureaus via phone and online submission. However Transunion refuses to do this. Their insistence is that I mail it registered mail at my cost. This is very unfriendly since their competitors have all online access available as option. I am also forced to write a detailed letter instead of a phone conversation with their representative. I find this very onerous. I have to visit post office during Covid time. Pay for expensive mail. Wait for mail to be delivered. Hope that it doesnt get delayed or lost and hope they open and read my info in timely manner. This is too XXXX. The company needs to help customers not make us jump through hoops. 

As better example. I was able to resolve my issue and submit evidence to other agencies and got satisfaction and resolution in 24 hours with no out of pocket and no pollution. 

I feel Transunion is very consumer unfriendly and putting cost burden to customer instead of their XXXX profits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am the real XXXX XXXX you paid XXXX for my money I am very sorry I didn't think it's right I demand my money call me back at XXXX my email is XXXX but it's hacked account I just got out of XXXX in XXXX XXXX Florida I have proof of this I got a violation of probation for not being able to pay for my restitution on a crime I didn't commit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: FL

Complaint narrative:
On XX/XX/2021, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I leased a new vehicle which Chase Auto Loan financed. After the lease period ended, I purchased the vehicle by converting the loan from a lease to a purchase. Chase remained the finance company. I have been unable to register my car for 2 years because chase has not sent me the title of the car. I have called a dozen times over the last two years. Each time I am told that the title would be sent directly to me. The DMV faxed them a letter specific to my issue that stated that Chase needed to send me the title before I could register my car. Over the course of these 2 years, they have asked for proof of insurance, saying they needed that before sending me the title. Each time ( most recently a week ago ) it was provided, each time the title was not sent. Payments continue to be made on a car that is not legal to drive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The phone never gets answered in less than 15 minutes. Always citing heavy volume of calls. Same with Wells Fargo, XXXX and all the banks. They intentionally staff phones to have calls abondoned and keep customers waiting. These too big to fail banks are systematically ignoring customers from having conversations at a time and place of the customers choosing. No better proof than attempting to contact via telephone and navigate exhaustive menus and bots to end up being told no human is available for a minimum of 15 minutes. Already wasted 5 minutes to navigate ti human option. Was hung up on 3 occasions, interesting to see the call center stats and if they truly reflect a level of service that shows genuine concern to deliver to the consumer based on a standard that does not waste valuable consumer time. 
Maybe we need more people hired to deliver people to people service. 
I think the CFPB should be allowed to set a minimum service quality standard before we can no longer get service from our trusted financial institutions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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:
On XX/XX/2021, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
Ordered an item online through paypal, found out website was a fraudulent site copied by the real site, contacted the actual company & they informed me the site I used was not theirs, its fraudulent. I can not get in contact with the seller. Paypal declined my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: MD

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over almost 60 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 ) of the Fair Credit Reporting Act, it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been almost 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 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: MD

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report on this day over almost 60 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 ) of the Fair Credit Reporting Act, it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been almost 60 days as a result they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this situation has caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
The account was close with santander consumer usa and they are still reporting it under XXXX  and its affecting negatively on my credit report. The account was open XX/XX/XXXX and it was closed XX/XX/XXXX Account ; XXXX this was reported a few months ago and it was advise that it was removed back in XXXX but now im showing that on XX/XX/XXXX that santander is still reporting this information to XXXX..i included XXXX  on this complaint as well because i spoke with them and was advise that they want be able to remove it until XX/XX/XXXX because of what was reported by santander. The other 2 credit bereau has removed it from my credit report & XXXX  is the only account where santander is showing up for. A fair decision would be for santander to be removed from off of my XXXX  credit report immediately i also have attach a copy of my credit report that shows proof of the 2 major credit companys which is XXXX  & XXXX removing the information from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: IA

Complaint narrative:
I am a customer at XXXX XXXX that used to have a banking account with state farm. XXXX XXXX bank converted my checking account to US Bank. I had to have a US Bank account because of an auto loan and it was used to transfer funds from one checking to their checking to pay the auto loan. Auto loan is still with XXXX XXXX, and XXXX XXXX is not at fault here. My complaint is with US Bank. 
The minimum was to have {$25.00} in my account, which is what was opened with US Bank. I don't need or want that account. 
I received a statement where US Bank charged me a {$2.00} paper statement fee and then charged me a {$5.00} dormant service cha for my account. 
First, I was never told I was going to get charged a fee for not changing to paperless. And second I was charged the dormant fee without being contacted that I was going to get charged that. 
I called and closed out my account immediately but they will only send the remaining {$17.00}. 
How can a bank get away with all these fees without communicating?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am a natural person and federally protected consumer. I am responding to your email contact about a alleged debt you are attempting to collect. You contacted me by email on XX/XX/2021. You identified the alleged debt amount as {$1000.00} on account ending XXXX. On XX/XX/2021, Capital one closed my open end consumer credit plans without providing me with sufficient documentary evidence as why they closed the accounts. 

In pursuant to 15 U.S.Code 1692a ( 3 ), the term consumer means any natural person obligated or allegedly obligated to pay any debt. The term creditor means any person who offers or extends credit creating a debt or to who debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. I am the natural person that extended the credit meaning I am the original creditor. 

In pursuant to 15 U.S.C 1692b ( 2 ), Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. Capital One has violated federal law by stating that I owe an alleged debt. 

In pursuant to 15 U.S.Code 1692c ( c ), Please stop all communication with me and with this address about this debt. I am demanding that you remove this account from all major credit reporting agencies. 

Record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit reporting agency ( or have already done so ), also report that the debt is disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The three credit unions XXXX, Experian XXXX XXXX are all reporting inaccuracies onto my credit reports regarding my personal information. According to 15 USC 6802 my personal information is not to be provided to the public without my consent. I HAVE NOT given consent for any of my personal information to be released let aline for inaccurate personal information to be released. The incorrect Information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The account was close with XXXX XXXX XXXX and they are still reporting it under experian and its affecting negatively on my credit report. The account was open XX/XX/XXXX and it was closed XX/XX/XXXX Account ; XXXX this was reported a few months ago and it was advise that it was removed back in XXXX but now im showing that on XX/XX/XXXX that XXXX is still reporting this information to experian..i included experian on this complaint as well because i spoke with them and was advise that they want be able to remove it until XX/XX/XXXX because of what was reported by XXXX. The other 2 credit bereau has removed it from my credit report & experian is the only account where XXXX is showing up for. A fair decision would be for XXXX  to be removed from off of my experian credit report immediately i also have attach a copy of my credit report that shows proof of the 2 major credit companys which is XXXX  & XXXX removing the information from my 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 2021-12-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UPGRADE, INC.
State: CA

Complaint narrative:
I checked my credit report on XXXX and noticed a company called Upgrade Inc was on there with a balance of over XXXX that I am not aware of ever opening. I was charged a payment to my checking account for over {$100.00} today.

Company response to consumer: Closed with explanation