vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-10 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: FL

Complaint narrative:
I submitted a few disputes with Equifax over account ( XXXX XXXX XXXX ) they are reporting and asked them for thorough investigation which by LAW they are to do. They have continuously replied back to me that it was verified so I made a complaint on CFPB XXXX XXXX and Equifax told me XXXX XXXX that they were doing an investigation and they sent me something I have yet to receive anything about an investigation ( no form of results from that investigation ) and I have proof they have not done their investigation because the same account they are still reporting as verified accurate as of XXXX XXXX was deleted by XXXX. So who verified that the information and deemed it accurate with Equifax?? Equifax has and is violating my consumer rights and has caused me so much damage, Willful noncompliance with my request for investigation. They are also reporting a XXXX  on my file and I want to know the METHOD OF VERIFICATION for that XXXX  who verified the account to Equifax?? Equifax is in clear violation of my consumer privacy rights they are not allowed to report XXXX or personal information that I havent given them permission to report 15 u.s.c 1681b Permissible purpose of consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: CountryPlace Acceptance Corporation
State: TX

Complaint narrative:
Explain why I was requested to pay the remaining down payment by Friday, XX/XX/2020 2 months before my closing date, and don't tell me again that it was voluntarily a deposit. FOR MY FHA TITLE II LOAN XXXX you gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I XXXX XXXX and XXXX XXXX went to BB & T XX/XX/XXXX to close our over draft account that was left open I noticed when we got something in the mail from them. I called they said you need to go into the branch and close so I did. When I got there they handed me a statment and I said what is that for? She said it's a credit card. I said we don't have a bbt or sun trust. We closed all our accounts. She looked into more and she said this is old. I said we did bankruptcy  back XXXX but that's all discharged. The statement she printed shows close date XX/XX/XXXX balance {$7100.00} total due on XX/XX/XXXX if this is old and from bankruptcy that has been discharged I dont understand the statement she gave us. We waited on hold with her for main office for over hr she said she would call us later that day. I called last night bbt said I needed to call SunTrust. So I did with the number they provided XXXX XXXX XXXX. They first said this is ATM # then transfers us XXXX was on speaker phone with me. Next lady  says old dept and our over draft account was still open. We called again in morning ran circles with the whole thing again at the end she say this never comes off your records.

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 2021-12-10 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 — Card was charged for something you did not purchase with the card
Company: Google Compare Credit Cards Inc.
State: MO

Complaint narrative:
On XX/XX/2021 I received an email from my credit card company that my card had been declined due to insufficient credit from a purchase attempt from XXXX XXXX. I immediately panicked because my card had no balance and I had not attempted to make any purchases. The purchase had been attempted at XXXX XXXX that morning. I immediately checked my credit account and had found that another previous transaction had cleared and posted on XX/XX/XXXX in the amount of {$1500.00}. As soon as possible I called my credit card Company XXXX and reported the fraud. They told me that the early morning transaction that was declined was in the amount of appx {$1400.00}. They took a report and filed a dispute. I contacted the XXXX store right after and via chat id XXXX searched for information on this purchase. The person I talked to was named XXXX. She told me she was unable to locate the transaction but directed me to a link to fill out a form for investigation. Today XXXX  said I was denied a refund of the money because there was no proof of fraud. 

As a direct and proximate result of XXXX XXXX failure to validate that this person was an authorized purchases, I was caused to suffer financial injury.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have received several calls from XXXX XXXX XXXX a XXXX XXXX XXXX Did I make a online purchase for {$1900.00}. I argued with him but he was so persistent that He put his supervisor XXXX XXXX XXXX on the phone they sounded lagit but I was on the phone for an hour. Was asked to call XXXX # was told this was for fraudulent calls. Used a # XXXX from XXXX Finally the supervisor called from XXXX. I called Chase Fraud myself on a different phone and they said it was fraud. I got off the phone with XXXX. Chase has canceled my card and sending me a new one. This is the 3rd, or 4th time I have had this happen to me. Tired of the calls they need to be caught. There was a # XXXX called last year and about the same amount was said to have been on my chase card. 

I have contacted the Bank and have it taken care of. 
Thought you may be able to take further action. 




















3

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Hello, XXXX has XXXX inaccurate addresses reported on my credit file. When contacting them they told me addresses could not be removed. they could only reach ut to other credit bureaus such as Equifax and XXXX to inform them that those addresses are not mine. 

These addresses do not appear on XXXX or Equifax and XXXX is refusing to remove fraudulent addresses. 


Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
On XX/XX/2021 I sent through XXXX a payment of {$2000.00} for a rental property, When I got there there as a sign for sale on the rental property. I can home and called Chase bank to cancel the XXXX transaction. Was told then that the fraud department would contact me immediately. Never heard from Chase or any other person. XXXX contacted me and told me to take the matter up with Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have tried several times to challenge the incompleteness of certain items on my credit reports to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FIDELITY CAPITAL HOLDINGS, INC
State: OK

Complaint narrative:
Fidelity Information Corporation sent me formal notices to pay over {$5000.00} with no proof or explanation. When contacting the company, they claim they dont owe you any reason or proof of debt. The claim filed against me was done so fraudulently, whenever I disputed the validity, they silently closed the account and allowed the scammer again to not provide any proof. They are allowing for scammers to file false debts for collection without valid proof. They refused to send me a letter of confirmation and told me they dont owe me an explanation of the notices and closing the account since the claim didnt actually hit my credit. This did however cause me distress because they threatened to hit my credit with no explanation of the letter. They are not following the Fair Credit Reporting Act. When I called to complain about this to try to stop the scammer from affecting more consumers in the future, they basically hung up on me. I have proof of all contact if needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: MI

Complaint narrative:
Hi Transunion has a 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 710. transunion has me at a score around 592. That is a huge difference. transunion 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 transunion 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 Transunion. 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 Transunion more than 21 times. transunion 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 and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

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 2021-12-10 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: MI

Complaint narrative:
Hi XXXX has a 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 710. XXXX has me at a score around 592. 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 XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter and i started doing my research and 15 usc 6802 i was violated as a consumer ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option which i was not given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: AXOS FINANCIAL, INC.
State: TX

Complaint narrative:
*As the Bank has refused to address matters previously described in 2 PREVIOUS COMPLAINTS... ( a ) Unresolved issue in complaint # XXXX, ( b ) redress in # XXXX .... This is a third attempt to resolve disputes with charges in a closed acct* **As detailed in Feedback to initial impotence '' Partial satisfaction .... ( a ) yes the company provided the 45 day transactions, as requested... ( b ) yes the company provide the desired wire transfer medium... ( c ) However, it is 110 % the Business practices/governance that poured gas on an already burning issue. ( d ) It is 110 % of the compay 's failure to perform this very remedial customer servicing task that created undue burden and hardship on a customer 's financial mean to live. ( e ) It is 110 % of the company 's ineptitude to acknowledge the customer was/is a victim of some financial crimes and Axosbank as a fiduciary of that customer 's issues, failed miserably in being THERE, supporting a customer... Instead, the Company was an antagonist to a customer 's interest. Lastly, there are 3 disputes that must be registered, worked out and processed accodingly.. ( f ) XX/XX/2021 XXXX {$100.00} **The vendor is refunding the amount and that amount should be wired to the desired routing/acct # given in the provided for for ( b ) ( g ) XX/XX/2021 XXXX {$750.00} ** Disputed for failure to provide services. XX/XX/2021 XXXX {$790.00} **Disputed for unauthorized charge. ** XX/XX/2021 BlueHost {$100.00} <~~ Where is that refund XX/XX/2021 XXXX {$750.00} XXXX No services provided XX/XX/2021 XXXX {$790.00} XXXX Unauthorized charge XX/XX/2021 {$74.00} XXXX This charge has been refunded by vendor XX/XX/2021 {$74.00} XXXX This charge has been refunded by vendor Where in the XXXX is my $ $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Lendmark Financial Services
State: VA

Complaint narrative:
I XXXX XXXX entered into a consumer credit transaction with Lendmark Financial Services, LLC on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. This means there should be no separate fees associated with this consumer credit transaction beyond the amount financed. Pursuant to 15 USC 1640 ( a ) ( A ) ( i ) I should receive compensation for twice the amount of the finance charge shown as {$6500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10 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: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX I had an invoice for {$3100.00} presented to me for services rendered at a XXXX dealership. The service department said that I could apply for a XXXX XXXX XXXX Credit Card offered by Synchrony Bank and get a promotional offer of no interest on the balance if paid within 12 months of the date of purchase. I agreed and was approved for the issuance of the credit card. ( Statement attached with statement closing date of XX/XX/XXXX showing XX/XX/XXXX transaction. ) The next statement ( closing date XX/XX/XXXX - attached ) listed a transaction summary that included a promotion correction charge dated XX/XX/XXXX ( prior to the original transaction ) of {$1100.00}, a promotion correction charge dated XX/XX/XXXX of {$3100.00}, and on XX/XX/XXXX an adjustment credit to my account of {$3100.00}. 

In XX/XX/XXXX I contacted Synchrony Bank using the customer service phone number and spoke with a XXXX who transferred me to a supervisor named XXXX. He said that he would have the {$1100.00} promotion correction removed and it should take no more than a month. 

What ensued for most of the next XXXX months was a series of phone calls from me to Synchrony Bank speaking with various customer service representatives and their supervisors attempting to resolve this issue. Twice on XXXX different statements ( statement closing date XX/XX/XXXX and statement closing date XX/XX/XXXX - both attached ) credit adjustments were made to the account in the amount of {$1100.00}. Both times a promotion correction charge was added back to the account in the amount of {$1100.00}. 

The statement closing date XX/XX/XXXX also added on XX/XX/XXXX interest charge on purchases of {$360.00}. This resulted in a new balance of {$1500.00}. In order to protect my credit score, on XX/XX/XXXX I paid the new balance of {$1500.00} leaving a zero balance. 

In XX/XX/XXXX I also submitted to Synchrony Bank their written dispute form outlining the events as described above ( attached ). 

The initial purchase amount of {$3100.00} was paid prior to XX/XX/XXXX with the final payment of {$360.00} made on XX/XX/XXXX ( as shown on statement closing date 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 monetary relief
Consumer complaint received 2021-12-10 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: FL

Complaint narrative:
I have disputed an account ( XXXX XXXX XXXX ) with Experian yet they keep coming back saying verified accurate how? Who? I believe Experian isnt doing a thorough investigation of my dispute, because all three credit bureaus arent reporting the same thing. This account was deleted from other bureaus and I have proof but yet Experian said its accurate by who? Its looking like they have never done the investigation to being with. And I have proof this account needs to be deleted immediately upon receiving this complaint. Also Experian is reporting bankruptcy account and I have disputed that as well and its come back as verified accurate by who and I want to know THE METHOD OF VERIFICATION. Experian is in clear violation of reporting inaccurate information on my consumer file the is LAW 15 U.S. CODE 1681e ( b ) Compliance procedures & 15 U.S. CODE1681 ( a ) ( 4 ) CONGRESSIONAL FINDINGS AND STATEMENT OF PURPOSE. This bankruptcy account is in clear violation of 15 U.S code 1681B PERMISSIBLE PURPOSE OF CONSUMER REPORTS I never gave them anything in writing given them permission to report this which is against the law identity theft at that and 18 U.S. Code 1028A AGGRAVATED IDENTITY THEFT which is felony two years in prison. I would like a full new copy of my credit report reflecting the deletions sent to me via usps mail.

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 2021-12-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Hello, I have an account with XXXX XXXX with a {$10000.00} that the credit bureaus are not reporting on my credit files. 

Thanks, 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 2021-12-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX Provided a service in that was not properly ran through my insurance. The then remaining balancing was not requested at the service address. By the time i was informed of the balance by WAKEFIELD & ASSOCIATES it was to late to request that my insurance run a past due balance. i have attached my proof of coverage and current Social security wages statement. 
My credit report shows the date opened as XX/XX/2019 2019

Company response to consumer: Closed with explanation