vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
My credit was pulled on XX/XX/XXXX. On my credit report with XXXX and XXXX XXXX it shows as " comenitycb/wyndham '' as a charge card. They can be contacted here XXXX XXXX XXXX. For some reason it's not listed with XXXX ( thankfully ). 

When I went to the timeshare showing in XXXX XXXX, I was told to sign documents stating i would no longer come to XXXX events as i wasn't interested in them and they don't want clients to come back and use them. I have no idea why i even have this rewards line of credit when i have no interest in their resorts. 

There's also a dispute with XXXX under my name as well, for the OTHER credit card they opened without my permission.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 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: MO

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 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:
I have filed several disputes with Transunion last dating XX/XX/2021. They have failed to properly investigate the inaccuracies on my report and well as the account not being mine. I have sent documentation as well as proof and they have failed to do a thorough investigation when I have proof of the inaccuracies as well as a police report and Identity theft report. Transunion has committed several FCRA violations.

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 2021-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
National credit systems has and Incorrectly and inaccurately placed a collection on my credit and consumer report. This event happened and XXXX at the beginning of the pandemic. The company that reported the debt to the collection agency stated that they no longer have any knowledge of needing to pursue a debt collection from me. I reported this to national credit systems and try to get credit repair help and they have violated my rights as a consumer and my violated my privacy. This stat is not accurately reported on all three bureaus it's false and it is needs to be removed. Please investigate this agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: FIRST NATIONAL BANK OF OMAHA
State: FL

Complaint narrative:
Applied for and was granted a XXXX XXXX XXXX XXXX in XXXX from XXXX. Initial credit limit was for {$15000.00}. Later in XXXX, I received a letter that my credit limit was decreased from {$15000.00} to {$9600.00}. In XXXX I applied for and was granted another XXXX with a credit limit of {$1000.00}. Two weeks ago, I purchased plane tickets for a holiday trip with no issues. My wife went to use her card and it was declined. When I called XXXX, I was advised that my account was closed and that I would be receiving the reasons in the mail. I was then re-directed to the credit department and was given a huge run around. All they kept saying was you will get a letter. When I told them that I had multiple cards, I was told " Don't worry we will be evaluating that card also. '' I felt belittled and talked down to the whole time, when I told them that I have never missed a payment and always paid the card to zero after use, I was told that that did not matter. I believe that this action was taken because I am of hispanic origin.

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 2021-12-15 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: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 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: DE

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
I was never informed of this company before this was placed on my credit file. I do not owe these. I have disputed and no resolution nor validation has ever been received. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
My primary mortgage was refinanced with XXXX XXXX XXXX who sold it to Caliber home loans. The escrows were waived during the refinancing with XXXX XXXX XXXX. However, when the loan was sold to Caliber Home loans, they et up the servicing incorrectly and are now escrowing for both taxes and insurance, making less of the overage I pay go towards the principal balance and negatively affecting my ability to pay down the mortgage quicker. I have paid the real estate taxes personally and have the receipt showing my personal check was used. Insurance is not due until XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: MD

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: GA

Complaint narrative:
I tried to log into my MoneyGram account : XXXX and was unable. I initiated a chat with a customer service representative and was told that my account was suspended due to suspicious fraud activity. I ask for it to be resolved but they refused. I then asked them to provide details about the fraud my account was flagged for and they refused to provide that information. I need you to get my account back up. I support a preacher in the XXXX  and this is the only way I can send money to him. My SSN ends in XXXX. My DOB is XX/XX/1954. You can reach me at ( XXXX ) XXXX XXXX EST. -- XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, GA XXXX. 

The MoneyGram issue is : Case number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: VANDERBILT MORTGAGE & FINANCE, INC
State: NC

Complaint narrative:
During the pandemic we lost our jobs, Vanderbilt has refused to help in any way available. Last year they paid my property tax without my permission as I do not have an escrow account and that has always been my personal responsibility. They demanded that in full at first then divided it to add to monthly payments. My payments have been applied to late fees first etc. all of the extra added expenses they have put on my account is impossible to catch up on. I asked for a forbarence twice with a denial both times because of no job yet. They filed foreclosure and immediately sent an eviction notice before the court date! I never took out a loan with Vanderbilt to begin with, they assumed my loan from a different company so they should have had all my contact information but instead started calling my neighbors telling them Im late on my mortgage and please tell them to contact us! Thats none of my neighbors business. They make up their rules as they go which is illegal and fraud. I would appreciate it if this company can be investigated as Im sure Im not the only one that has been financially abused by this company

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 2021-12-15 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Hello I have repeatedly sent out disputes as I have identified several inconsistencies on my credit report with this creditor. First and foremost my account is showing a different opening date across all three credit bureaus. The high balance is inconsistent across all three credit bureaus two agencies show a high balance of {$730.00} and one shows a high balance of {$100.00}. Date of last activity is different across the board as well. One is saying XX/XX/2019, XX/XX/2019, XX/XX/2019. Under 15 U.S Code 1681i ( 5 ) ( A ) treatment of inaccurate or unverifiable information should be deleted immediately! I have the right to dispute inaccurate information in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: MO

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 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: MO

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-15 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: NY

Complaint narrative:
In XXXX XXXX reached out to Chase to resolve the matter that was explained in the cases that are listed below and Chase has been unresponsive to XXXX. The case num er that chase needs to respond to is XXXX. 
Previous case numbers that can be used for more detailed information regarding this case are as follows : XXXX XXXX XXXX - XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-15 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: MD

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2021.

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 2021-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
COULD NOT OPEN AN ACCOUNT AT FIFTH THIRD BECAUSE ACCOUNT WAS FLAGGED FOR NO KNOWLEDGEABLE REASON

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Collection Bureau of Fort Walton Beach, Inc
State: FL

Complaint narrative:
The XXXX XXXX is still reflecting on all XXXX credit reports. The debt was paid directly to original lender and not the collection agency. Therefore, the collection agency should remove from my report as the bill was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Atlanticus Services Corporation
State: IL

Complaint narrative:
I have an Aspire credit card. An automatic payment was scheduled and processed through my account without my authorization, reversed as I didn't know it was processing, and I was charged the reversal fee. I called the company only to be informed that I was somehow set-up for automatic payments. I do not recall setting up auto-pay because I make regular payments to avoid interest as much as possible. There is a history of automatic debits on my account from past statements and I had no previous knowledge of these transactions. The representative said I set-up auto-pay in XXXX, 2021 yet from my XXXXXXXX XXXX  statement there is an auto-pay debit. Thus I don't know if I was overcharged and credited for the overages. The company representatives aren't well informed, my account transactions online and in-app are very few making it difficult to control/monitor spending. My trust for this company is waning. Their internal investigator kept asking me identifying question instead helping me with this specific issue. I could not get a straight answer from anyone as to what is really going. I was transferred to XXXX different people, hung up on twice, everyone seemed to not want to solve this issue. Meanwhile, I have a credit balance with a company I do not trust. My plan is to cancel this card but before then I need this to be look at because there is something not quite right with Aspire.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: CO

Complaint narrative:
Im currently in the closing phase of selling my property to prevent foreclosure and Im unable to obtain the payoff request from Flagstar Bank. 

The attorney working on my sale has sent the necessary forms and we have received no information. Ive been told by the foreclosure attorney that they have not received the necessary information they need from their client ( Flagstar Bank ) and are unable to proceed due to lack of contact with Flagstar. 

Ive completed the necessary form in writing and it has been over XXXX business days and Flagstar has failed to comply with my request. 

Ive tried to contact Flagstar multiple times and Im unable to get to the payoff department or get any supervisor or employee on the line who cares to help me. I have now had to push my closing off 3 times due to lack of the payoff request. Customer service is non existent and Im in jeopardy of losing the sale and the property as my forbearance will be ending. I believe this is a deliberate attempt to stall by the bank. They have failed to cooperate and or communicate with myself and the title company attorney. I need a resolution immediately. I have waited over XXXX hours on hold on XXXX call, been hung up on multiple times and get transferred to space every time call.

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