vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My student loans have been in deferment/forbearance since before COVID PANDEMIC. I verified that it should not have been reporting as pass due. This is destroying my credit rating and preventing me from living a peaceful life. Please correct. Experian is showing past due please correct and repair the damage to my profiles. 

Time 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 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
Truist Bank completed its company merger the weekend of XX/XX/2022. On XX/XX/2022, I received an email stating that I had been charged a {$36.00} overdraft fee, even though throughout the week I never had received an alert that my account balance was low or negative. I have a setting on my account to text and email me when my account balance is low. The email alert did not inform me of which transaction triggered the overdraft charge. 

I called customer service on XX/XX/2022 around XXXX am and was on hold for a representative for over an hour. When I spoke with a representative, he went through my transactions and informed me that the overdraft was caused when I transferred money from one Truist checking account to another Truist checking account the day on XX/XX/XXXX. Even though funds were available at the time of transfer, they stated that other pending charges posted before they processed the internal funds transfer and which therefore caused the overdraft. Truist refunded the overdraft fee but stated that I would not be entitled to another overdraft forgiveness for another 24 months. 

The customer service representative told me that if I call back within 24 months I could ask for an escalation and he would notate the situation to have an additional forgiveness considered. I asked to confirm this with a supervisor and notated on my account but when I did speak with the supervisor she told me that the representative did not provide me with accurate information and the bank would not provide me any additional grace in the future. It is still unclear to me why I was charged an overdraft when funds were available in my account during the internal funds transfer. I feel like I am being penalized for the messy merger that took place and not having accurate account information available during this timeframe and then losing my benefits due to situations beyond my control. I acted in good faith to ensure my accounts have enough funds based on the information provided by the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: TX

Complaint narrative:
I have reviewed my credit report and found the following inaccurate information and unknown accounts are still reporting under my credit report, I am listing the following inaccurate accounts in order for you to DELETE from my Credit Report. 
DELETE - XXXX XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE -XXXX  XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE -XXXX  XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX per Section 533 ( c ) ( codified at 50 USC 3953 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Im trying to purchase XXXX XXXX XXXX XXXX XXXX MD XXXX. I started the process with Wells Fargo in XX/XX/XXXX. They couldnt get an appraiser down her till XX/XX/XXXX. The appraiser report is incomplete and missing the whole point of the appraisal. It doesnt not have the estimated appraised value for the home. It was intentionally blurred out. The comps are clearly seen. But I didnt pay for neighboring home. 
I filed a previous complaint. But Wells Fargo responded with a response citing another mortgage appraisal I had done by them in XX/XX/XXXX. That was done accordingly. Im filing for XX/XX/XXXX. 
I called and left a message for the agent who didnt call me back. I called the toll free number today and was hung up on. Repeatedly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
My Car was in an accident that resulted in XXXX insurance totalling the car XXXX paid XXXX at XXXX XXXX XXXX in the amount XXXX XXXX is still reporting this account as a balance owed and the car is out for repossesion that car was totalled and returned via my insurance company. please see attached email and receipt showing payment

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
under Experian membership program offers are sent to apply for credit without effecting credit score, but the instant you apply it effects/decrease score. I have called Experian and spoken to XXXX representatives from membership to Disputes and none helped, they kept giving me different numbers to 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
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FISERV FINXACT CORE
State: KY

Complaint narrative:
I received two letters 2 weeks passed the date it says at the top which is XX/XX/XXXX from TRS. One says I owe XXXX the other XXXX to a XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. I never been over there, ever. I called XXXX XXXX and they sent me proof a consumer report of never going over there ever. To the hotel or to the casino. I made a police report # XXXX in XXXX bc my purse was stolen however I don't even have checks that TRS recovery service is saying that has this address on it. My checks have my other house address. I called the sheriff in XXXX XXXX indiana. He thinks TRS is a scam. When I talk to TRS they sound so unprofessional. I try to go the ensure to dispute it. Its weird. They Barely knowing how to talk. To somebody. They Don't want to help me or think I'm lying. I need to get to the bottom of this bc this involves gaming officers. I get no help from them only to to go a website.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: NC

Complaint narrative:
I sent letters to Equifax, XXXX XXXX  XXXX on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 37 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: CA

Complaint narrative:
XX/XX/2022 at XXXX I called EXPERIAN in hopes of resolving the inaccuracies on my credit report. When finally being transferred to the fraud department, I was connected with XXXX. he told me that the inaccuracies on my credit file were never investigated. That they did not and will not investigate them because the creditor verified the information. After I explained multiple times that the social security numbers listed on my credit report are not mine and I am requesting the verification methods used to ensure the accounts belong to me, he said that no they are not verifying the information and it will remain on my report unless other information comes to light then they will continue to leave the inaccuracies. I asked him if as a credit furnisher isnt EXPERIAN required to investigate the report of inaccurate information as a direct result of fraud. I mentioned how the social security numbers on my file did not belong to me so I am 100 % sure that the account is not mine because none of the requirements under the FCRA would require the terms, opening date and balance to be accurate and he said no they do not. After multiple attempts I gave up and just let him end the 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
Consumer complaint received 2022-02-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
The lease to my XXXX XXXX was up XX/XX/XXXX. I decided to keep the car so I financed it with XXXX XXXX and the contract was signed XX/XX/XXXX and gave a {$2000.00} down payment. The check was cashed on XX/XX/XXXX. XXXX is now aggressively contacting me stating that I failed to return the car and owe them over {$2200.00} due to not returning the car. The worst part about everything is that my credit score dropped over XXXX points. As per XXXX XXXX I was to send a letter to XXXX stating that it wasn't my fault and that it was miscommunication between XXXX XXXX and XXXX headquarters, basically I had to fix my own problem. XXXX XXXX also stated that they were going to cover all fees being charged. I spoke to XXXX today from American Honda and she stated that no one from XXXX XXXX has contacted them. This situation is causing a lot of stress and anxiety. Going from a lease to finance should be a smooth transition instead it is causing me a lot of problems that affect future purchases due XXXX quickly taking action on my credit score which can take years to build but they were quick to drop. Attached you will a copy of the cashed check and the letter XXXX XXXX asked me to send. The letter was sent out last Friday XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TOWNE MORTGAGE COMPANY
State: PA

Complaint narrative:
I have XXXX XXXX w/ Towne Mortgage and my first XXXX  was paid for work that was not completed nor properly done. He was paid to close a wall ( wall wasn't completely closed ), installing and reframing windows. He was also paid to stucco my property and that was not completed. The plumbing was also done incorrectly and had to be altered by the new XXXX. All windows were not installed nor reframed, he was paid to remove all debris accumulated in the back yard. I had to pay to have it removed by another XXXX. The XXXX was also paid an additional {$3000.00} for drywall that was not installed. The XXXX XXXX  XXXX  found no errors with the first XXXX XXXX work when there is clear negligence. 
My first XXXX called Towne Mortgage and threatened to put a lien on my property. I was told by the bank to just pay the XXXX so that I can move on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reviewed my credit report and provided documentation time and time again but EXPERIAN doesn't seem to understand that verifying a Fraudulent Account means nothing. So at this point I demand the following accounts be DELETED under Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX  XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX  XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX  XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX XXXX  per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX XXXX per Section 553 ( c ) ( codified at 50USC 3953 ) DELETE - XXXX  XXXX  1 per Section 553 ( c ) ( codified at 50USC 3953 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MI

Complaint narrative:
XX/XX/XXXX To Whom it May Concern : I write to request that you urge the Biden Administration to modify the Public Service Loan Forgiveness ( PSLF ) program such that periods of full-time public service combined with periods of forbearance and/or deferment would count toward PSLF, regardless of whether payments were made during those periods. 
I graduated in XX/XX/XXXX with my XXXX  of XXXX XXXX and began working in XXXX XXXX six months later. Ive been in XXXX XXXX XXXX since that time and due to the pay of this chosen career have had difficulty paying in full towards my student loans. Throughout multiple contacts with FedLoan to assist in my payments, I was advised to defer or place my account in forbearance while working to help me financially. 
Currently, only 48 payments in my 12-year work history will count towards student loan forgiveness. I was steered by my loan company to go into forbearance or deferment unaware of the long-term consequences. I have dedicated my career to public service, working with XXXX XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Ive sat in hospitals, jails, emergency rooms, court rooms and dedicated my time and energy to the people in our country. 
Due to policies that were advised by this company ( FedLoan ), many people including myself have been unable to achieve the promise of student loan forgiveness. My applications have sat for months waiting to be resolved with very little progress noticed.

Im continuing to work in XXXX XXXX with an ever-growing caseload. I work with substantiated cases of XXXX in a small XXXX XXXX of Michigan community . Im raising three children of my own and caring for my husband who was recently treated for XXXX XXXX XXXX XXXX. Resolving this issue is life-changing for public servants so that we can continue to work in our communities without the crushing weight of student loan debt. 
Please bring light to this issue and make meaningful change for me, my family and our communities. Public servants are VITAL to our communities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: TX

Complaint narrative:
I have reviewed my credit report and found the following inaccurate information and unknown accounts are still reporting under my credit report, I am listing the following inaccurate accounts in order for you to DELETE from my Credit Report. 
DELETE - XXXXXXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE -XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE -XXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXXXXXX XXXX per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX  per Section 533 ( c ) ( codified at 50 USC 3953 ) DELETE - XXXX per Section 533 ( c ) ( codified at 50 USC 3953 )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
XX/XX/2021, XX/XX/2021, XX/XX//2021, XX/XX/2021, XX/XX//2021, XX/XX/2021 pulled credit report without my permission from unverified source.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Chime Financial Inc
State: DE

Complaint narrative:
I opened a chime account in early XXXX and the same day they closed my account with my whole paycheck inside. I have been trying to get my money back for almost two months now with no success. I sent over 10 emails from different dates, after the first email all of the rest were ignored and no one has reached out to help me even with all of the automated responses claiming I'd receive help soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I sent Capital One a billing error packet with a cease and desist letter for an alleged debt by certified mail # XXXX XXXX XXXX XXXX XXXX which they received XX/XX/XXXX2022. Capital One repeatedly sends emails to my personal email address and also call my personal cell phone. The dates I have received emails from Capital One are as follows : XX/XX/XXXX22, XX/XX/XXXX22, XX/XX/XXXX22, and XX/XX/XXXX22. The dates of the phone call are as follows : XX/XX/XXXX22, XXXX/22, XX/XX/XXXX22, XX/XX/XXXX/22, XX/XX/XXXX22, and XX/XX/XXXX22 x2. 
They are in violation of 15 USC 1692b ( 3 ), 15 USC 1692c ( c ) as well as others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: NV

Complaint narrative:
U S back claims processor " XXXX " XXXX needs to be fired!!! XXXXXXXX XXXX customer service I've ever had in my life!!! Did not resolve any issue I had going for me and my legitimate claim ... Made everything difficult, not resolving any issue at all spitefully denying my legitimate claim...

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24 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: GA

Complaint narrative:
I, XXXX XXXX, and consumer, am sending this notice of dispute to you myself and there is no third party involved. After several attempts to resolve this dispute with Equifax, they are still in violation of several subsections of the FCRA ( Fair Credit Reporting Act ) 15 USC 1681. Within my last correspondence, I informed Equifax of their violations against me, the consumer, and I have yet received my requested remedy or a response to their investigation which has been more than the allotted 30 days. They are reporting inaccurate information on my consumer report and never received written instruction from me, the consumer, to furnish this information. I have provided the consumer report pages with the accounts I need removed from my consumer report.

Company response to consumer: Closed with explanation