vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-08 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: CA

Complaint narrative:
On XX/XX/XXXX, I signed a settlement agreement with XXXX XXXX  to voluntarily vacate a rental property located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, by XX/XX/XXXX. The settlement agreement stipulated To the extent permissible by applicable law, XXXX shall remove all negative reporting entries regarding the subject loan number XXXX from Borrowers credit report. 

In XX/XX/XXXX, XXXX reported the following negative information on my Equifax credit file : XXXX XXXX  XXXX XXXX Balance : {$410000.00} Date of Last Payment : XX/XX/XXXX Past Due Amount : {$91000.00} Account Status : 120+ DAYS PAST DUE XXXX XXXX has not only breached the settlement agreement, but have caused compensatory and general damages. I was in the process of refinancing the loan on my principle residence in order to regain financial stability when XXXX XXXX reported foreclosure activity on my credit file. As a result of the negative reporting, I have been denied a refinance because of the foreclosure activity on my credit file and it has greatly impacted my credit score negatively. My credit score has decreased by 79 points because of the foreclosure activity reported on my credit file. 

It was critical for me to refinance my home because I lost income due to COVID. More importantly, it was critical for me to refinance my home in order to continue to support XXXX  XXXX who are in XXXX and dependent upon me for their college tuition and housing. My childrens college tuition and housing was jeopardized when I was denied a refinance. My family and I have been seriously impacted financially because XXXX  actions and breach the settlement agreement. 

I have filed 2 disputes with Equifax with an effort to get the foreclosure activity removed from my credit and XXXX XXXX responded to the dispute by verifying that the current status if being reported correctly. XXXX has verified to Equifax that the prior paying history is being reported correctly. I have also attempted to get this matter resolved by contacting your Loss Mitigation and Customer Resolution Departments and no one can or will assist with resolving this issue. 

Attached to this letter is the settlement agreement and a copy of 2 letters from Equifax with the dispute results. 

Lastly, XXXX XXXX  have failed to remove my name from title of the subject property and have pushed out the sell date to XX/XX/XXXX. This is the second time the sell date has been pushed out. Im inundated with phone calls from mortgage rescue companies inquiring about the subject property, which has caused unnecessary aggravation and stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I applied for a loan but never took the money. I closed the account the same day i applied. 
The company has listed the account ( about 2 years later ) as delinquent on my credit report. 
I have already disputed the account with CFPB once and they acknowledged the mistake. 
Since then the account was added again to my credit report as open with a delinquent balance. 
Previous compaint number with CFPB 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 2020-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I opened a city priority package on XX/XX/XXXX, and deposited XXXX in total to the checking and saving accounts before XXXX. After 60 days, I chatted with agent in the app two days ago, she said I met the requirement of the bonus, but need to wait another 90 days for the bonus to appear in my account. I called Citi on Friday again and rep. said she was not sure if I could pull the money out because this could make me not qualify for {$700.00} because the XXXX needs to stay in account for ADDITIONAL 90 days after first 60 days.

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 2020-11-08 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 XXXX/XXXX/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) 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 well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of someone else.

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 2020-11-08 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/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) 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 well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of someone else.

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 2020-11-08 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/2020 I sent a letter regarding inaccurate information on my credit report over 30 days ago. I have not received a response. I feel like I am being taking advantage of and ignored regarding my disputes. Section 611 ( a ) 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 well over 45 days. Which mean it should be deleted immediately. If they are not deleted from my credit report. I will file for litigation due to the stress this has caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of someone else.

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 2020-11-08 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: CT

Complaint narrative:
they are couple accounts in my credit report that violate the HIPPA Law and this company is letting happening without proper investigation as my requested. 

please see attached all my dispute letters i also move i am sending my current address as well with my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
Date XX/XX/2020 amount XXXX $ converted to XXXX XXXX  I had purchase this serviced supposedly I was getting and I been wanted to get my money back and the seller doesnt want to give it back she said she doesnt have it so I dont know where my money is at so I want it back

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: GA

Complaint narrative:
I applied for a loan but never took the money. I closed the account the same day i applied. 
The company has listed the account ( about 2 years later ) as delinquent on my credit report. 
I have already disputed the account with CFPB once and they acknowledged the mistake. 
Since then the account was added again to my credit report as open with a delinquent balance. 
Previous compaint number with CFPB XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: AZ

Complaint narrative:
I went to XXXX, AZ XXXX/XXXX. I was greeted by a salesman who told me that all trucks are {$5000.00} more due to Covid because I asked him why they were so expensive. He started to mention negative remarks about the other dealerships in the area. He then proceeded to explain that if he could get my personal information he could make a better deal with me. After viewing a few vehicles we went to his office and after getting my name, address, phone, he asked me for my Social Security number & Birthdate. I told him I didn't want my credit ran without writtin permission and he told me I would have to sign a paper authorizing that to be done. WE WERE VERY CLEAR! I didn't sign any authorization and walked across the street to XXXX where I found a vehicle that I liked. During the transaction, WITH MY PERMISSION, XXXX ran my credit Report and told me that XXXX had ran my credit 7 times through some type of " Clearing House ''. Because of so many Inquiries on my report XXXX XXXX XXXX has lowered my credit limit 50 % and now my credit worthiness has fallen from " Very Good '' to just " Good ''. This is all happening while I'm purchasing a Home and it's affecting my Home Loan and raising the rates. I spoke to the Principal Owner Mr. XXXX XXXX he was very mean to me and even threatened me. He didn't apologize nor did he offer to fix the mess. I sent a XXXX  complaint but he refuses to answer it. I reported it to XXXX but they won't inve6it nor will they help at all. This is corruption at best. I need you help. Attached you will find a email from Mr. XXXX admitting to the error with no apology or offer to help.

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 2020-11-08 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 the date of XX/XX/2020 the Experian received a formal letter from myself XXXX XXXX XXXX XXXX in regards to negative items that I believed were incorrectly reported and/or flat out not accurate. They were given thirty days under the Fair Credit Reporting Act and today is day 31 and I have not received any updates or results from their investigation. I also then sent a letter on XX/XX/2020 to be overnighted to Experian asking them to comply with my request by removing items that were not removed and for a copy of that request after executed. Also on XX/XX/2020 I filed my complaint with the Consumer Bureau to make them aware of this situation with the aspirations of actual fair results that Experian was not able to provide.

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 2020-11-08 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: CT

Complaint narrative:
they are couple accounts in my credit report that violate the HIPPA Law and this company is letting happening without proper investigation as my requested. 

please see attached all my dispute letters i also move i am sending my current address as well with my ID

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 2020-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Chime Financial Inc
State: NY

Complaint narrative:
The last week of XXXX ( I think XXXX ) my XXXX  was hacked and the person sent {$150.00} to himself. I called and XXXX and they told me I needed to call my Bank thats linked with my XXXX, which is Chime. I call chime and file dispute on charges and about a week later I was refunded the stolen {$150.00}. 

Today I look at my app and see it shows negative - {$150.00} because Chime investigation said it never happened. Well it did happen, and now they are making me pay {$150.00} for it in the middle of a Pandemic that was taken care of 5 months ago. Whatever makes them think it didnt happen doesnt matter because they would be wrong regardless. It happened and I took the loss of {$150.00}. Chime needs to take this charge off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: Chime Financial Inc
State: CA

Complaint narrative:
I was contacted via Chime 's support number by someone with my name, my user name, my debit card and my social security number. They gained access to my account and possibly cloned my debit card and made 7 transactions from XXXX XXXX PST on Saturday, XX/XX/2020 until XXXX XXXX  PST the same day totalling {$8200.00} ( nearly all of the funds in my account. ) These transactions were made by another chime user ( {$2000.00} to " XXXX XXXX " And the rest was made to " XXXX XXXX '' in North Carolina. I have read on XXXX  about many people having this same issue with Chime, and it isn't just the customer 's fault. Chime needs to do something about user security. I work very hard for my money, and it is all gone. I disputed these transactions the minute they happened with Chime 's support, as well as filed a police report with the XXXX XXXX Police Department, emailed The XXXX XXXX, filed a report with IC3.org and the FTC, as well as made a claim with the XXXX. Please help me get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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 the date of XX/XX/2020 the Transunion received a formal letter from myself XXXX XXXX XXXX XXXX in regards to negative items that I believed were incorrectly reported and/or flat out not accurate. They were given thirty days under the Fair Credit Reporting Act and today is day 31 and I have not received any updates or results from their investigation. I also then sent a letter on XX/XX/2020 to be overnighted to Transunion asking them to comply with my request by removing items that were not removed and for a copy of that request after executed. Also on XX/XX/2020 I filed my complaint with the Consumer Bureau to make them aware of this situation with the aspirations of actual fair results that Transunion was not able to provide.

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 2020-11-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NM

Complaint narrative:
I opened a savings account with PNC in the 1st quarter of 2020. For some reason, they have been withholding interest. Over many months, I have attempted to remedy this issue, but PNC has been very unresponsive. They are unavailable by chat or their message center, so it has been necessary to call, which I have done several times. There is absolutely no one available who can tell me what is necessary to remedy this situation - I do not want to withhold interest on my savings account, there is no reason to withhold interest on this account. I attempted to accelerate the problem to the next level and that resulted in no additional assistance. All I want is to stop interest being withheld from my savings account. There is no reason that something this minor should take almost a year to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On the date of XX/XX/2020 the Equifax received a formal letter from myself XXXX XXXX XXXX XXXX in regards to negative items that I believed were incorrectly reported and/or flat out not accurate. They were given thirty days under the Fair Credit Reporting Act and today is day 31 and I have not received any updates or results from their investigation. I also then sent a letter on XX/XX/2020 to be overnighted to Equifax asking them to comply with my request by removing items that were not removed and for a copy of that request after executed. Also on XXXX/XXXX/2020 I filed my complaint with the Consumer Bureau to make them aware of this situation with the aspirations of actual fair results that Equifax was not able to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: CT

Complaint narrative:
they are accounts in my credit report that violate the HIPPA Law and this company is letting happening without proper investigation as my requested. 

please see attached all my dispute letters i also move i am sending my current address as well with my ID

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 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: Conn's, Inc.
State: TX

Complaint narrative:
Conns is reporting information on my credit report. I have asked for proof of the debt and they have failed to supply such proof. The account itself also has several inconsistencies that cause me to question the account. The high balance is inconsistent across the 3 major credit bureaus. The date of last activity is also inconsistent. If this were my account how can it be possible to have different dates of last activity. This account is reporting as a collection/chargeoff and there is a past due balance listed on the account but no one can provide proof. There are also differences in the date of the last payment made. I have written the company as well as the bureaus, however no efforts have been made to remedy the problem or respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
My deposit was XXXX i got XXXX back. my name is spelled different on ssa card. im a victim of elder abuse XX/XX/11 credit breach ssa fraud all claims on file.

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 2020-11-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: TX

Complaint narrative:
For the last 3 days XXXX XXXX XXXX of XXXX I cant access my funds that I have in my account .go program cant tell me why and keep saying wait 24 hours. I cant pay bills or make a transaction ..when I call they are rude and hangs up without fixing the issuse

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of america notified me they were closing my direct deposit account and would not give any reason for that.the only thing that they would say is they were closing it and I couldn't do anything about it.the only thing I see is a fraudulentXX/XX/XXXX attempt for XXXX dollar with drawl the bank stopped

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