vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-14 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: GA

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 : XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Did not consent to unauthorized inquiry US SM BUS ADMIN ODA Date of inquiry : XX/XX/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 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX and XX/XX/XXXX XXXX, I tried several times to transfer money from my XXXX  payroll card to a joint checking account in my name, and it repeatedly came up with an error message in the app and on the website. I tried contacting truist using the online chat function,, they were unable to help and was sent to a different phone line, they sent me to a differrent support line, and all three were unable to fix the issue.

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 2022-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XX/XX/XXXX, XXXX I have formally notified, each of the three credit bureaus, XXXX, XXXX, and TransUnion in writing via certified mail, that their reporting of the current bankruptcies in my credit file in which they manage, are in direct violation of the Fair Credit Reporting Act ( FCRA ), each of my attempts have gone uncorrected. Each agency has responded to the disputed items as VERIFIED AS ACCURATE, How this could be when they indicated the court furnished them the information knowing that this is untrue, and their investigation was not done correctly either according to the FCRA, resulting in the bankruptcies still appearing on my credit file. Their unwillingness to correct their errors has caused unnecessary and difficult situations for me while trying to obtain loans, credit cards, and housing. The like of cooperation has also affected my credit score not allowing me to get above a XXXX with paying my bills on time., the information in my credit file is inaccurate, merely due to the status of the bankruptcies citing discharged on one report, dismissed on another, inaccuracies and lastly, zero public records such as bankruptcy are in your file. I have attached several documents relating to this specific issue to support me disputes. I have listed the FCRA Violations below to be relevant to this matter : 15 U.S.C. 1681 section 602 ( A ) Having the Right to Privacy 15 U.S.C. 1681 Section 604 ( 2 ) Not Having My Written Consent 15 U.S.C. 1681C section ( a ) ( 5 ) Requirements to information contained in consumer reports 15 U.S.C. 1681d section ( a ) ( 1 ) Disclosure of fact of preparation 15 U.S. C 1681 section ( b ) Disclosure on request of nature and scope of investigation 15 U.S.C. 1681d section ( a ) ( 1 ) ( 4 ) Disclosure of investigative consumer reports

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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. Please view error message ( s ) via screenshot attachment. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from TRANSUNION, XXXX, & XXXX. Proper identification is provided.

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 2022-07-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I applied for a vehicle via XXXX as a result the sent my information to several different companies that are listed below : 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 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 XXXX 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 non-monetary relief
Consumer complaint received 2022-07-14 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: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

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 2022-07-14 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: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 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: The Bureaus, Inc.
State: UT

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I am attempting to have PMI removed from my mortgage. I submitted their form and feel I meet all their criteria tor PMI removal they have listed. I sent in the {$150.00} check for the appraisal fee. PHH cashed my check on XX/XX/XXXX and I have yet to have been contacted by an appraiser. I have contacted PHH by phone and have escalated the matter. First call was in XXXX or early XXXX, I waited a bit before the next call. It was in middle to late XXXX. First escalation call was XX/XX/XXXX and I was told to wait 7 days. Today I called ( XX/XX/XXXX ) and was told of no notable progress and that I should wait another seven days. Each time I am informed that they are passing this along to someone else. Each month I am stuck paying this and they dont seem willing to schedule an appraiser to come out. I have escalated as far as I can through their system and they still just told me to sit and wait another 7 days for a call. Unfair business practice to cash my check and not send an appraiser out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Block, Inc.
State: MI

Complaint narrative:
I had my tax refund prepared and sent to a routing number associated with my Cash app account. My taxes were prepared XX/XX/2022. The IRS released my refund and sent it to the routing and checking number associated with my Cash app account XX/XX/2022. I spent three months trying to recover my Cash app account because I have been refused access to the Cash app account I created. Cash support hasn't been able to allow me access to this account for security purposes. I have all identifying ( I9 ) documents on hand to prove that I indeed am the rightful owner of said Cash app account, also in relationship to payroll and IRS documents that will coincide. The IRS sent a deposit of {$3600.00} on XX/XX/2022. 
Also two payroll deposits ( {$700.00} and {$100.00} ) were also deposited within that time frame where I had been denied access to my Cash app account. An estimated total of {$4400.00} is owe to me and acknowledged my Cash app customer service on XX/XX/2022, however I am with no avail granted access to my Cash app account to recover my funds. Today XX/XX/2022 I am writing asking for support in this matter, advice, and other cases of action to finally resolve and correct the fact that I am not being granted the funds earned and due to me. I can be reached here or vial email @ XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America reported I was overdue in payment, and reported as late payment. 
Actually, its about an autopay failure because when I changed my bank details after closing the old bank account, I was guided by Bank of America customer care how to do it. It turned out that the autopay set up with customer care wouldnt cover the first payment due under the new bank account which, if I was advised, I could have the next payment coming due. 
So I called Bank of America and was told the reason, All my credit card accounts are set up for autopay for XXXX statement balance because XXXX XXXX and want to avoid this kind of problem. 
I called Bank of America again today and was reassured theyd correct the problem with credit bureau.

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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Back in XXXX I purchased a vehicle with XXXX miles and at the time I didn't have the greatest credit so I was set up with XXXX XXXX. I was told they was okay and that they has handle many of there of clients for them in the past. In XX/XX/XXXX my car was repoed. Upon getting the car back I was told to make a payment of XXXX monthly for the next two years. XXXX XXXX agreed to letting me do my payments every two weeks {$300.00} which would make it $ 600 monthly. I then learned that I had 120+ missed payments from XXXX XXXX. When I call them they said I also have to make the monthly payment of {$390.00} also. I filled a dispute with XXXX XXXX and nothing was done. I also filled a dispute with the Attorney General office and they said since XXXX XXXX didn't respond they couldn't do anything. I currently owe over {$7000.00} and the vehicle is not working. These missed payments is hurting my credit.

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 2022-07-14 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
was fraudulently charged by a merchant for services i did not agree to since there was no communication or documentation provided for what the charges were for. Chase simply stated that Visa 's rules don't allow for any grounds to fight this case and pushed me to drop the dispute with the merchant as they had given up and had nothing to do further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: SC

Complaint narrative:
The organization, sent a mass email to multiple loan holders disclosing private information regarding the status of loans. The sender was XXXX XXXX from Firstmark Services. After a few of us responded that this communication was a violation, she attempted to recall the email with no success. Proof of this email, the responses of the recipients, the lack of response from the company can be provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MS SERVICES LLC
State: NV

Complaint narrative:
My husband and i bought a XXXX XXXX  in XXXX, after his death and life insurance i was able to continue with payments. I remarried in XXXX, but he died XXXX, now leaving me with house payment, car payment and RV payment on a low limited income. I wasn't able to continue with all the bills and payments. Talked to the bank and they agreed to pick up the RV. Told the bank I could not make the requested amount monthly payments. They in turn sent me to collections, stating i owe {$20000.00}. I do not know what I should do. Must I file for bankruptcy? My home was XXXX  last XXXX. I am a widow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: VYSTAR CREDIT UNION
State: TX

Complaint narrative:
They launched a new mobile platform 2 months ago. We were locked out of accounts for a month, finally got online backing back up with limited functionality meaning besides checking balances I have to call to move money which is taking up to 3 hours to get a hold of bank rep to get things done in account each time. In a given week I have 5-10 hours trying to get a hold of the bank

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 2022-07-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I am getting a lot of calls from Medical Revenue Service XXXX for a friend of mine. I've explained she had a XXXX and moved to another state with family members. They still keep calling my cell phone. I am not getting mail for her so I have no address to write them for a request to stop. I did speak with a employee over the phone, twice and requested they stop calling. But it hasn't stopped yet.

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 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. Please view error message ( s ) via screenshot attachment. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from XXXX, XXXX, & EQUIFAX. Proper identification is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. Please view error message ( s ) via screenshot attachment. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from XXXX, EXPERIAN, & XXXX. Proper identification is provided.

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 2022-07-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Viking Client Services
State: CA

Complaint narrative:
I'm disputing unjustified inflated rental charges imposed by XXXX Car Rental following vandalism of rental vehicle. I booked/reserved XXXX rXXXX  XXXX XXXX XXXX XXXX XXXX contracted rate of {$510.00} to attend a funeral in XXXX XXXX XXXX Vehicle was picked up at XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for rental period XXXX. When not in use, vehicle was parked at curb in a residential neighborhood ( relative residence ). On XX/XX/XXXX ( approx. XXXX XXXX. ) I discovered vehicle had been vandalized when I attempted to move vehicle. Driver 's door lock was drilled out and something was jammed in the ignition not allowing me to insert key. Vehicle was not drivable. I immediately contacted XXXX Customer Service to report vandalism, was transferred to XXXX and XXXX and filed an incident report. Was informed vehicle would be towed to XXXX, that I needed to provide access to vehicle for towing company and XXXX would be contacting me. I was also guaranteed transport to the airport to catch my noon flight. Transport was never provided. Had to contact XXXX ride-share at my expense. Towing company contacted me at XXXX p.m. ( when I landed in XXXX ) to advise they were on site and towing damaged vehicle to XXXX XXXX XXXX as directed by Dispatch. I also filed a claim with XXXX XXXX XXXX as I have a premium rental car protection policy. Since this incident, XXXX has attempted to charge and collect unjustified charges for what they allege are XXXX additional rental days the vehicle was in my possession until I returned it to XXXX. This is untrue. The towing company XXXX XXXX XXXX XXXX XXXX ) has verified that the vehicle was returned to XXXX on XX/XX/XXXX the date rental was due. The towing company stated that once XXXX XXXX is notified and an incident ID is issued, the rental agreement is considered CLOSED. XXXX has turned me over to a collection agency, Viking Client Services LLC who are attempting to collect {$2100.00} for the rental ( {$510.00} rental fee plus {$1600.00} alleged additional days ). As documented on XXXX XXXX Rental Agreement, the correct/contracted amount of the rental amount is {$510.00}, which I am willing to pay without dispute. However, Viking agents are ignoring the facts and refusing to accept this amount and want to settle the debt for {$1000.00}, which is unjustified. I have done due diligence by complying with returning the vehicle as directed. I've spent numerous hours of frustration and stress attempting to communicate with XXXX Customer Service, and Viking without success. XXXX has also placed me on a " Do Not Rent '' list. XXXX XXXX XXXX has also tried to advocate on my behalf. I am a XXXX on a fixed income and wish to end this harrowing experience as soon as possible. I have documentation to substantiate my claim.

Company response to consumer: Closed with explanation