vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, Experian, and XXXX data breach, which raises concerns about the security of my personal data.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The company I'm complaining about is Experian. My credit score has been XXXX since last year. My credit core with XXXX and XXXX had been up and down. Right now my credit score with them is between 789 and 801, give or take a few. 
I didn't use their Experian Bosst and I believe they are keeping my credit score the same. My husband tried to get a XXXX XXXX refinance, and he couldn't because of Experian. He only has two creditors and they are paid on time. I believe it may be a race issue, but I need this to be investigated ASAP. Thank you.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the Equifax, XXXX, and XXXX data breach, which raises concerns about the security of my personal data.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT. THE FOLLOWING ACCOUNTS WERE USED UNAUTHORIZED. REMOVE IMMEDIATELY THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: MD

Complaint narrative:
I got scammed they took {$98.00} from my account and Chime Bank would not refund the money

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Block, Inc.
State: FL

Complaint narrative:
This was what cashapp sites for the reasoning of closing my account putting me in the negative, makes zero since XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XXXX XXXX 2024 I received a debt collection alert on my credit monitoring system. 
I went through this same problem last year so i had my credit frozen on all 3 bureaus. plus Fraud alerts setup on all 3 bureaus as well. 
I did not authorize anything to anyone and these collections are a result of identity fraud. 
I went to the extent of going to the social security administration office to try to have my entire social security frozen but they say this is not an option. 
They referred me to identitytheft.gov and so I am on the journey of filing through them. 
This is an endless nightmare it seems.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: NRA Group, LLC
State: GA

Complaint narrative:
A person calls and leaves me a message from the National Recovery Agency. When I call back, it is an automated person who asks me for my Recovery account number, which I have no idea because I have no idea what the collection is for. When I say I don't know, it asks for my social security number. I will never give this out over the phone and then when I say I'm not going to do that ( to the automated voice ) it hangs up. 

They call me every day. What can I do about this? 

The callback number is 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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Synovus Bank
State: MN

Complaint narrative:
I certified mailed these companies a Debt Validation Letter and they have yet to respond. It has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: WV

Complaint narrative:
I file this complaint to once again request that the Completed investigation of FCRA dispute - consumer disagrees in the " comment '' section of my student loan on my XXXX credit report be removed. I have attached my XXXX credit report, which is dated today, XX/XX/XXXX. I obtained my XXXX credit report directly from XXXX itself, rather than a third-party app such as XXXX XXXX XXXX Please see page seven of the attached report. It should be noted that I filed a previous CFPB complaint against MOHELA on XX/XX/XXXX, regarding this issue. The complaint number was XXXX. That complaint is attached. By letter dated XX/XX/XXXX, MOHELA assured me that a request would be submitted to remove the comment. Over sixty days have passed since the XX/XX/XXXX, letter and yet the comment still remains. I am unfamiliar with the dispute which MOHELA is referencing. I do not dispute the account information listed on my credit report. I would like this comment removed from my XXXX credit report. My ID is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2024-02-14 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I disputed Ginny 's, XXXX XXXX and Montgomery Ward accounts for which I have never had an account. I received letters back suggesting that I file an Identity Theft complaint. When I went to the website on the letter, it did not apply to me. Then I was redirected to your website complaint form.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I was scammed on XXXX through Capital One in a rental scam. The scammers managed to get me to send them a security deposit and the first month 's rent before I discovered the scam and reported it to Capital One on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Capital One denied my claim citing the reason for denial as " The payment was processed according to your payment instructions. '' However, they are obligated to refund fraudulent transfers which, according to CFPB guidelines include scams like this where the scammers impersonated someone else and got me to authorize the transfer under false pretenses. The transfers through Capital One were fraudulent because I never received the goods I paid for and because the recipient was impersonating someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: MN

Complaint narrative:
I certified mailed these companies a Debt Validation Letter and they have yet to respond. It has been well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
The privacy ACT of 1974 covers this complaint. 
credit card and all the secondary reporting agency 's transunion, XXXX XXXX XXXX XXXX XXXX are reporting false and inaccurate PUBLIC & PRIVATE information including removal of checks and inquires. and knowing it is unlawful to REPORT ANY TRANSACTION ON A CONSUMER FILE.15 1681-.16cfr433.1.2 also committing language fraud 17cfr 424 all these violations are also prohibited under the ( FTC act ) 15usc45 prohibits 'unfair deceptive acts and practices affecting banking commerce & consumers in the normal course of commerce.also maybe i need to mention and remind the CRA 's CREIDIT CARD COMPANYS & BANKS ABOUT ( 5 u.s.c 522.a ) which refers and states the facts of ANY RECORDS MANTAINED ON ANY INDIVIDUALS.I am not even gunna begin to dive or discuses all the security fraud that has been committed in my name in this report there wouldn't be enough space to do so. but don't think its not going to happen in the very near future.so herein this report there is XXXX or more charge offs and XXXX hard check removal 's that have been removed from XXXX and not others there needs to be few more hard checks removed as well from all CRAs. so all the charge offs and removals of hard checks and all derogatory comments need to addressed immediately!!!!!!!!!

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 2024-02-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Goldcar Lending Inc.
State: GA

Complaint narrative:
To Complaint Manager, I dispute the validity of all claims in this letter that you didnt follow. 
account under VIN XXXX  or account numbers are disputed. 
The vehicle in question Under the laws of ( insert state ] and UCC 9.506 as well as State RISA and XXXX statutes, a deficiency can not be claimed unless all the required notices were properly and timely given to me per law, and all the allowable redemption and cure time limits were adhered to. 
I demand Original Validation proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. 
9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. 
If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. I demand you to delete this account from my credit report immediately. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 
Furthermore, you are hereby notified that at no point in time and under no circumstances are your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system.

Company response to consumer: Untimely response
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I read online about the Wells Fargo settlement payed out to home owners denied loan modifications. I had 3 different mortgages that I tried over and over to get modified and they denied me. I wasnt sure if I am entitled to money from Wells Fargo through this settlement. I always thought that I was treated unfairly and wrongly denied. Can someone help me find out if I am owed anything by Wells Fargo? I attempted to find out through wells but they said they didnt have anything and I just found that hard to believe.

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 2024-02-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after 30 days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over 30 days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data breach, which raises concerns about the security of my personal data.

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 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
The salesperson lied about what would/would n't be required. The underwriters asked for things of me that they would not have asked of others. They would not escalate to higher levels. They did not respond to email requests. The conditional approval letter required things that weren't applicable. For example, they wanted a copy of the escrow check and the proof of clearance on the escrow check, even though this sale did not have an escrow check. They had the purchase agreement in hand from day XXXX and kept saying they did not, even though proof was provided showing the salesperson from Chase had the purchase agreement and the extension of the closing date. The salesperson said no appraisal would be required, because the house had been purchased ess than a year ago. The salesperson said no corporation tax returns would be required, and then they changed their mind. They demanded a letter from the corporation selling the house stating what the plans were with the proceeds of the sale. They Chase website what having problems accepting documents I was attempting to upload. The site said there was an error with the site, and Chase blamed me. On two separate occasions during the process, representatives from Chase LAUGHED at me because I was asking questions as to why they needed certain information. In numerous situations, Chase did not respond to email for up to 5 days, delaying the mortgage process and causing the costs to be increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Fees charged
Company: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I am writing this letter because of the treatment I am receiving from Chase Bank on my XXXX loan. Chase decided to close all of our personal and business accounts in early 2020. This was unsettling, but it all worked out fine. I understand that a bank can choose who they do business with. 

Since this time, they still service my XXXX loan. It is impossible to be treated fairly when I call in. They have a hold on our account that causes employees to treat us like we are criminals. I have an XXXX plus credit score, and no criminal record. I have had so much XXXX  over the way I have been treated both in the bank and by phone. I am actually scared to even call in because the representatives are so unkind. 

I used to have a contact in the business side that was really helpful. He went above and beyond to help me, but now he has left. I am unable to login to online banking and honestly am feeling very distressed because I know that nobody will help me. I am entering my correct account number and social but it says that XXXX cant be found. If I call in, I will be passed around and treated unfairly. 

I have been charged forced placed insurance presumably from flood insurance. I have had insurance the entire time that I have had the loan. I have even sent proof of this. Because I am not able to communicate with anyone, I continually get charged fees that I dont understand. Because I am not able to use the website fully, I am not able to make payments toward this specific purpose. I have tried to make extra payments to resolve this. I feel like I will never be able to pay the loan down because there are always fees that nobody will explain to me. 

As a result we are going to move the loan, but we feel that Chase should reimburse the forced placed insurance and associated fees and interest that this has caused all the way back to 2020 since we had insurance and nobody will help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivable Solutions LLC
State: GA

Complaint narrative:
This debt collector has called multiple times, with the most recent today at XXXX from telelphone number XXXX. Always says from Debot collector and to call XXXX. 

I have called them 3 times and they are looking for XXXX XXXX. I tell them XXXX has not had this number in 6 years and ask them to take the number out of their system. 

They always hang up right when I am finishing my request to remove the number. 

They ahve called enough times that I researched to find out the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I found his new number and dont understand why this company cant do the same instead of calling my cell number all the time looking for him.

Company response to consumer: Closed with explanation