vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-14 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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.

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 2021-12-14 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:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over XXXX days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the XXXX  you caused me. My information was also affected by the XXXX AND THE XXXX data breach and may have gotten into the wrong hands.

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 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I have already opted out of receiving prescreened offers by mail as is my right under the FCRA and Capital One has repeatedly disregarded this by sending me them after I have asked them to stop.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Security Credit Services, LLC
State: OR

Complaint narrative:
Security Credit Services have refused to allow me to seattle the account. I have provided all info for a medical hardship to seattle the account which they have refused. I have spoken with a XXXX XXXX she has been hostile and refusing to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
Made a payment on due date XX/XX/21 on account ending # XXXX XXXX XXXX XXXX XXXX. My checking account is showing that payment is pending, however Synchrony is reporting on their end as : " You have missed your payment due date. Please schedule a payment today ''. I have spoke with XXXX XXXX care XXXX ( refused to provide more identification ), and she stated that once they get the money, they will remove late payment status. Is anyone out there that can stop this people from reporting incorrect information on consumers? This is only bank that has shady practices. XXXX needs to get involved as well, because in that matter they are reporting year end incorrect information. Please help. 

Sincerely, 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 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Conn's, Inc.
State: TX

Complaint narrative:
I bought a Dining set at Conns XXXX XXXX in XXXX Texas XX/XX/2021 ( Address XXXX XXXX XXXX XXXX XXXX phone number XXXX XXXX XXXX ). Its called XXXX XXXX dining Set.I requested for return XX/XX/XXXX. The display in the store is washed gray, however I received chocolate brown which is clear that it is a factory defect. I went to the store twice, emailed the customer service and called multiple times. A lot of times I get ignored with my emails. They only approved me for exchange but they refused return. It is clear in their website and in the invoice that a final sale which they include furniture can not be exchange or RETURN UNLESS inspected by service technician and found to be a FACTORY DEFECT. I would like to emphasize that the dining set I bought is Regular price as what is reflected in the invoice. I would also emphasize that I did not received a copy of the invoice until I asked for it the second time I went to the store. I was only given a copy of instructions about the delivery on the day of purchase but not an invoice that includes their Policy on return and exchange. 
Yesterday XX/XX/XXXX, I requested for service technician to come to my house to verify or check the furniture but they refused, I was told by the customer representative that they usually would require pictures if it is color discrepancy. 

The reason why I am returning the dining not exchanging it is because I lost confidence on the quality of their merchandise. For me it is a substandard quality. It did not undergo good quality control. They are inconsistent in manufacturing it. I feel that my right is being violated by forcing me to buy something that is not worth the amount that I will be paying. 
I would like to complain about the way they make their policy. It is very tricky to the customer. They did not emphasize during at the store that this certain item is included in the final sale. Also they are doing false advertisement on their policy, if you notice there is discrepancy on the way it was stated in the website compared with that was written in the invoice. It is fruad if they are inconsistent, they are tricking their customers. 
My ticket number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I filed a dispute with AMEX on XX/XX/XXXX, reference # XXXX, for a {$250.00} charge on XX/XX/XXXX by XXXX XXXX. XXXX XXXX had already refunded {$77.00} so I informed AMEX I wished to dispute just the remaining amount of {$170.00}. XXXX XXXX  ( name per credit card charge ) aka XXXX XXXX XXXX ( name per credit card dispute response ) aka XXXX XXXX ( name per company when I did business with them ) performed an illegal bait and switch scam in which they verbally guaranteed on the phone they could repair the computer module for my truck for {$250.00}. There was no mention of a non-refundable diagnostic fee at the time the company charged my credit card. I mailed the module to them, and received an email from them on XX/XX/XXXX that the module was not repairable, but if I gave them another {$1100.00} they could send me a new module. I attempted to call them but at this point they started ignoring my calls. I then read their reviews online ( hundreds of 1 star reviews and XXXX complaints with identical stories as mine ) and told them to send me back the module. When I received the module back, it had not even been opened up as the sticker was still intact. They refunded {$77.00} and I initiated the dispute for the balance. In the meantime, I had the module repaired successfully by another reputable company. When the dispute was found in XXXX XXXX ' favor, I contacted AMEX to re-issue the dispute with the additional details that their diagnostics ( if done at all, which is doubtful ) were insufficient since another company was able to repair the module, and again requested a refund of the supposed " diagnostic fee ''. The dispute was initially found in my favor, and then reversed again. XXXX XXXX did not provide any additional details in their second response, and did not provide proof of performing the diagnostics such as a diagnostics report. I would expect AMEX to protect the consumer from an obvious case of fraud, as evidenced by the details above and this company 's pattern of numerous disputes, complaints, and lawsuits. I appreciate your help resolving this dispute with XXXX XXXX and AMEX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: LAND HOME FINANCIAL SERVICES
State: CA

Complaint narrative:
I feel i was discriminated against during my process of buying a house. 
I started the process back in XXXX of XXXX and finally culminated with a denial in XXXX of XXXX. 
During the process I was given plenty of hurdles to jump through, which is normal in the home buying process, and I successfully managed every hurdle i was given. 
I provided every bit of paperwork and documentation that was asked for. The mortgage company did not accept all of my documents for an unknown reason. 
They had an issue with my earnest money and the way it was sent to them. 
They made me send in my closing cost and down payment before funding for my loan was secured. I have never heard of a company doing that before. 
I was given a closing date and bought a ticket to fly out to sign documents for my home and that did not happen. I paid for an appraisal and Termite inspection. Roughly {$1300.00} in total. 
My credit was pulled too many times by the mortgage company causing my credit score to drop almost 100 points. I have had so much trouble trying to get my score up again to try to buy another home. 
I was told by the manager of the Mortgage company that I would be ok and the issue would be resolved but that was not the case. They were just stringing me along in order to find something to get my loan denied. 
When my closing date came and went i tried to get financing through another company and that's when the First mortgage company hit me with a denial letter.

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 2021-12-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Terrill Outsourcing Group
State: IL

Complaint narrative:
I have no debts ( never have ) and continue to receive phone calls from an automated system that wants me to call XXXX. The message states they are a debt collector called Superlative RM. 

These calls started 2 or 3 months ago and are received once or twice a week. No reason is given for the call other than stating they are a debt collector.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: Experian Information Solutions Inc.
State: VA

Complaint narrative:
CFPB ... ... .. Experians response is UNACCEPTABLE!!!!!!!! Please see attached. You allowed them to close out the complaint stating that there was an unauthorized third party? How? The consumer, which is myself submitted the request with all supporting documentation. Please ensure that the complaints are being fully addressed and you are not allowing these companies to just close out without any remedy.

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 2021-12-14 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There's inquiries on my credit report that I didn't Authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: FL

Complaint narrative:
There's inquiries on my credit report that I didn't Authorize.

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 2021-12-14 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: VA

Complaint narrative:
Hi whats going on? My name XXXX XXXX and my SSN is XXXX l and I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but its seems youre taking things lightly. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. 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 2021-12-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: CA

Complaint narrative:
I refinanced my home loan and my loan was sold to BSI Financial Services. On XX/XX/2021, BSI sent my insurance payment to the wrong company. They confirmed it was their mistake and as of XX/XX/2021, they have yet to make the payment. They stated they would not make payment until they were reimbursed from the company they incorrectly paid. The answer they gave me was to make another payment from my escrow account and raise my payment until they received reimbursement from the company they paid incorrectly. They gave me incorrect check numbers and USPS tracking numbers for mailed payments that were never mailed. Terrible customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Good day! I am XXXX XXXX and I have been sending letters to report accounts on my credit report that are inaccurate. Also the inquiries that I am not aware of is giving me a hard time. I have been sending letters to verify these and I received no response but yet it is still in my credit report and it is hurting my score.

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 2021-12-14 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: LA

Complaint narrative:
Good day! I am XXXX XXXX and I have been sending letters to report accounts on my credit report that are inaccurate. Also the inquiries that I am not aware of is giving me a hard time. I have been sending letters to verify these and I received no response but yet it is still in my credit report and it is hurting my score.

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 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
My name is XXXX XXXX and my contact number is XXXXOn XX/XX/XXXX, I went inside regions bank on XXXX and deposited a check in the amount of XXXX XXXX and {$500.00} cash which is a down payment for a house I am trying to buy. A few days later after depositing the check, I received an email that the check will be on hold until the XXXX of XXXX, XXXX. On XX/XX/XXXX I attempted to pay for something using my debit card and it was declined. I attempted to log into my acct and my access was blocked. I contacted customer service and was told that I have to go to my local branch to unlock my acct because it has been locked for possible fraud. I went to your branch on XXXX, XX/XX/XXXX and a ticket was submitted to unlock the account for me and after several misinformations by XXXX XXXX, I was told by the bank manager that the check will be on hold for up to 90 days for possible fraud. I have provided all the information you and XXXX asked of me to show proof of where the check came from and Ive showed bank statements from my husbands business account including copies of both front and back of the cashed check and still my acct is on hold. My house will be ready next month XXXX, XXXX and as of right now, the bank is holding my money hostage despite the fact that I provided all the documents they requested.

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 2021-12-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANKMOBILE TECHNOLOGIES, INC
State: WA

Complaint narrative:
XXXX XXXX keeps rejecting my check deposits for flimsy reasons. Last week it was because they couldnt allegedly verify my check with the issuer and this week it is an incomplete check. 

Those reasons are false as I could cash the same exact money order at another bank without any issue. In fact the deposited images didnt show any issue. 

Can the bank take notice of this poor service? Someone at the bank is not doing their job and the bank is not providing any recourse. The customer support staff just reply with scripted answers and are unhelpful.

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 2021-12-14 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: TX

Complaint narrative:
Hello so on XX/XX/2021 I mailed a letter regarding inaccurate and unverified things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by the Equifax AND THE XXXX data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 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: FL

Complaint narrative:
Dating back to XXXX XXXX after receiving a copy of my consumer credit report at my request after being denied credit by a creditor, I was in complete shock as to how much inaccurate information and the number of discrepancies being reporting between all 3 of the major Credit Bureaus ( Transunion, XXXX, XXXX ) within my consumer report. Since then I have mailed in a total of XXXX dispute letters to all three bureaus ( Transunion, XXXX, XXXX ) to resolve this matter as it is damaging my character in regards to my financial situation and ability to repay creditors. I have mailed letters both certified and standard postal on the following dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the last being XX/XX/XXXX in regards to solving this matter, however the problem still persist and is ruining my financial reputation. As some unverifiable and inaccurate information have been removed/corrected there are still a number of accounts that have not been verified, updated or deleted by request that is still reporting false and damaging information. The remaining accounts that continues to report false information is ; XXXX XXXX, XXXX XXXX, The Bureaus, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The following accounts within each bureau contains discrepancies in regards to the past due balance, rightful owner of the account, payment dates and history, date last active as well as the last payment date. According to the FCRA 15 U.S.C it is the responsibility of the Credit Bureaus to report fair and accurate information within each consumer profile in which they have not done in this particular case. I do understand my rights as a consumer which is why I felt the need to file a complaint with the CFPB as I am not getting anywhere with the reporting agencies and the inaccurate reporting is defamation of character.

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