vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 9 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-09 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: IL

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: NJ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time 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 2023-02-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: CCF Intermediate Holdings LLC
State: AZ

Complaint narrative:
I filed bankruptcy in WA state in XXXX, it included medical debt and payday loans. Today XXXX I received a call from a past employer stating a collection company contacted them asking for my income data as they want to garnish wages. They called to let me know, I called the company XXXX XXXX XXXX XXXX XXXX. XXXX XXXX proceeded to tell me that CCF Holdings has retained them to sue me for damages in the amount of XXXX. I asked who this was for, it was like pulling teeth he wouldn't give me dates. I asked " was this a pay day loan company '' he said " yes, an installment loan company '' I explained that I filed bankruptcy and included all payday loan companies, he said " well we wouldn't have shown on a credit report so they likely weren't included and you now owe the money '', I said I listed all accounts, I didn't use my credit report to determine who I was including in the bankruptcy. I also mentioned I never used a payday lender since the bankruptcy and that statue of limitations had to have expired by this point. He started yelling at me, telling me I needed to pay that they were coming after me and my wages would be garnished and hung up on me. I typically would think this is a scam and let it go, but because he in fact has contacted my past employer I feel they are trying to get money. I am at a loss as to what to do. I have never heard from them until now 10 years later. Is there anyone that can assist me? 

XXXX XXXX ( at the time XXXX XXXX ) XXXX XXXX They would not provide any account information or dates only CCF Holding, an installment payday loan and the amount they are suing me for {$2200.00}

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MO

Complaint narrative:
My loan was recently transferred to Mr. Cooper. After it was transferred I started getting calls that my payment was past due, however, Mr. Cooper never sent me any information on how to pay at the time and I could not access the online portal. After 6 days I finally had access to pay the payment but not after continuously receiving calls my account was past due. Not good customer service. 2 days after making a payment I logged in and noticed my minimum payment had increased by XXXX. I was not notified at all. The only reason I saw was because I logged in. Very poor practice they would raise a payment amount without information a customer as to why. I sent a chat and they said it could be potentially because they have a different minimum for escrow accounts. I understand different companies have different policies but that information was not provided to me as a new customer. The person on the chat ( XXXX ) just kept saying they didn't have enough information. Very poor customer service that they can raise the payment amount but don't have enough information to tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Possible Financial Inc
State: CA

Complaint narrative:
I am sending this complaint. In reference to a payday loan that was initiated under my name due to identity theft. Apparently someone that has my personal information access this cash thru an app that you download on a mobile device. I have been told by XXXX credit report agency that the original loan amount was {$90.00} and that there is {$79.00} still being reported as owed. I have gave information of my identity theft circumstances to all 3 credit reporting agencies in 2017. This company did NOT protect my identity. This account was open fraudulently. I have attempted to contact them directly to file my dispute, and the contact information provided to me was a telephone number that is disconnected. 
Please contact them at : Possible Financial XXXX XXXX XXXX XXXX, WA XXXX the phone # is XXXX please verify that this number is disconnected and there is NO WAY for me to file a dispute with them directly.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My chase account ending in XXXX, was accessed by a third party and significantly depleted, I have had about XXXX dollars currently in dispute with chase. I have taken procedures to make sure something like this would never have the opportunity to form however it transpired and chase is not doing anything to help. I have sent all the evidence available to me and they still will not accept it. My claim number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: R & B Corporation of Virginia
State: NC

Complaint narrative:
Credit Control Corporation acct # XXXX. has disregarded my request to validate an account Under the Fair Debt Collections Practices Act ( FDCPA ), Tracking # XXXX, delivered XX/XX/2023 in which they have been reporting a negative account on my consumer report. After Credit Control Corporation failed to validate the negative account that they have been furnishing on my account I requested they cease and desist with their collection activities due to their violation. Credit Control Corporation has been non-compliant and is in violation of Failure to respond satisfactorily with deletion of the above referenced account. Due to my frustrations and damages for alleged debt I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: SOUTHSTATE BANK CORPORATION
State: SC

Complaint narrative:
I got denied a checking account because of my XXXX  XXXX  credit score... etc. 

South state bank denied my application for a checking account Because of my XXXX  XXXX credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On or around XX/XX/XXXX, I discovered a series of fraudulent transactions that occurred with my Chase accounts while I was on vacation overseas. This was directly tied to a series of mail theft that was happening in my building and surrounding area during this time. Two of my accounts, a personal checking account and a business checking account were both affected. Chase unilaterally decided to close my business checking account while keeping my personal checking account active. They suspended the funds in the personal account while issuing a refund for the business checking account in the form of a mailed check. This was explicitly against my instructions and intentions as I had no way of retrieving any form of payment, and due to ongoing mail theft, it was unlikely that this would be a safe method that would not be intercepted. Upon my return back to XXXX XXXX in XXXX, the check had not arrived. Chase did not take the necessary precautions to safeguard and disburse my account funds in instances of mail and identity theft. I attest that, to this day, I have not received or redeemed my business checking funds from the account that Chase decided to unilaterally close. 

I escalated this with their team repeatedly over the course of XXXX and XXXX to no avail. The Chase branch where this happened could not help me resolve it either. On three separate visits to the Chase branch previously located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( where some of this identity theft and fraud happened ), their customer service team called the Chase fraud department in an attempt to resolve this. On or about XXXX and XX/XX/XXXX, during a branch visit, XXXXhase confirmed that they would be sending a new check for the balance on my business checking account, for a total of {$6400.00} and some change to a different address that is considered safe and secure. This was confirmed by the representative at Chase ( XXXX XXXX ). To date, no such check was sent, and attempts to reach them since have gone unanswered. With the branch at XXXX XXXX XXXX closed, I have limited recourse as my primary contact there is nowhere to be found.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-02-09 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: NJ

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of 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 negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting XXXX XXXX Bankruptcy on my consumer report and they have put in the data furnisher as XXXX XXXX XXXX Illinois which is false I have attached a letter from the The United States Bankruptcy Court Northern District of Illinois verifying and stating they do not furnish information over to the credit reporting agency or any credit monitoring services nor do they verify, validate any information concerning bankruptcy. TransUnion is falsely stating this information on my consumer report an they have yet to remove this from their file credit report. Attached below are exhibits A an Exhibit B my proof

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 2023-02-09 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: NJ

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 10 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
This issue has been going on with my QVC Credit card via Synchrony Bank. Since I believe XXXX or XXXX maybe slightly earlier they have forced customers to use their Account Manager. 
I practice an account manager program is probably a good thing, all cards from a company can be seen all at once, however the diabolical corporate idiots decided to not only FORCE you to sign up for the use of the Account Manager you have to give up your right to have Agree to the Consent to Electronic Communications. 
I want all my communications done by mail, that way I have proof that something was sent, if they want to create a tab for Communications that would be fine. 
Prior to this I had no problem signing into my account for QVC. Then I had to remember over the summer of 2022 that I had to slide this bar or tab so that I could get around using the Account Manager. 
NOW I'M BEING FORCED TO USE THE ACCOUNT MANAGER IF I WANT DETAILS OF MY ACCOUNT AND TO SEE WHAT MY CURRENT BALANCE IS OTHER THAN WHAT MY STATEMENT SAYS. 

THIS IS WHAT I GET FROM THE POP UP WINDOW BEFORE I'M ABLE TO SEE ANY INFORMATION. 

Welcome to your account manager A simpler, faster and more convenient way to manage your Synchrony accounts. 

By using the account manager, you agree to the updated Consent to Electronic Communications. Your current communication and statement delivery preferences are not affected by this change.

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 2023-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
I received an offer in the mail to open a Wells Fargo account and receive a {$300.00} bonus for direct depositing a certain amount in the first few months. My wife received the same exact offer. When I opened my account online on XX/XX/XXXX, there was no indication that the promotion was credited. I went into the branch with my wife a few days later and she opened her account in person to make sure it was coded correctly. The XXXX in the branch also said they would fix the coding on my account to reflect the promotion. 

My account was credited a bonus of {$200.00} on XX/XX/XXXX ; not the {$300.00} as advertised ( and as the clerk in the bank assured me they fixed ). I contacted Wells Fargo multiple times to get this resolved, but all they kept telling me was that the account was coded for a {$200.00} bonus and that was granted. I agree with them that it may have been coded that way, but that was due to a mistake of the bank employee, and does not reflect what was advertised to me. 

The final step was me filing a complaint with their internal customer advocacy team around a week go ( XXXX ). Wells Fargo responded to the complaint today, once again reiterating that the account was coded for {$200.00} and not acknowledging that it was coded incorrectly. 

Wells Fargo often runs similar {$300.00} promotions so there would have been no reason for me to sign up for a {$200.00} sign-up bonus offer.

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