vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-21 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: MN

Complaint narrative:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX  data breach and might are becoming into the fingers 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 2023-04-21 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: CT

Complaint narrative:
This dispute with XXXX has been ongoing since XX/XX/2022. It took extremely longer than 30 days for anything to be addressed which is the catalyst to why improper reporting even took place. After initiation of the dispute my account was closed. This created difficulty submitting requested docs via the portal and accessing their responses as XXXX suspends consumer online accounts as a result of account closures. I have proof that telephone correspondence was to no avail even after getting multiple XXXX 's representatives recorded, admitting to the dispute mishandling and promising to correct the inaccurate reporting, no accountability has been taken. XXXX refuses to stand behind a multitude of their trained staff. 

As of recent, the XXXX XXXX XXXX XXXX XXXX has been handling this matter. They have sent out two notices. One admitting that they feel the XXXX host still deserves the right to be paid despite illegally recording, my family of XXXX including XXXX minor children in the XXXX, which is against XXXX and Fair Housing policies. They also sent out a second letter acknowledging that I was led to believe corrections would be made to the account that they now refuse to honor. 

They only thing they've honored is removing the late fees from XXXX XXXX. However, if you deem that the late fees should be reversed due to the account being in dispute this whole time, why don't you agree that my credit report ( which has a way larger impact ) shouldn't reflect the same? 

Instead, they are sharing inaccurate information that is no longer reflecting on their side and I DO NOT CONSENT TO THAT INFORMATION BEING SHARED. They keep adding remarks to my credit report without my request when everything should be removed. They are aware of the multiple recordings that I have from XXXX, XXXX, XXXX, XXXX, XXXX, etc that all have said that my account should not be in that status during dispute and the negative reporting should not have been made. Yet, they will act as-if they are doing the consumer a favor by reversing fees that shouldn't have been imposed while their life is falling apart due to inaccurate and unfair credit reporting. 

I will be pursing XXXX for the damages their actions alone have caused as many other creditors have retaliated as a result of their claims despite my due diligences and efforts.

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
This dispute with XXXX has been ongoing since XX/XX/2022. It took extremely longer than 30 days for anything to be addressed which is the catalyst to why improper reporting even took place. After initiation of the dispute my account was closed. This created difficulty submitting requested docs via the portal and accessing their responses as XXXX suspends consumer online accounts as a result of account closures. I have proof that telephone correspondence was to no avail even after getting multiple XXXX 's representatives recorded, admitting to the dispute mishandling and promising to correct the inaccurate reporting, no accountability has been taken. XXXX refuses to stand behind a multitude of their trained staff. 

As of recent, the XXXX XXXX XXXX XXXX XXXX has been handling this matter. They have sent out two notices. One admitting that they feel the XXXX host still deserves the right to be paid despite illegally recording, my family of XXXX including XXXX minor children in the XXXX, which is against XXXX and Fair Housing policies. They also sent out a second letter acknowledging that I was led to believe corrections would be made to the account that they now refuse to honor. 

They only thing they've honored is removing the late fees from XXXX XXXX. However, if you deem that the late fees should be reversed due to the account being in dispute this whole time, why don't you agree that my credit report ( which has a way larger impact ) shouldn't reflect the same? 

Instead, they are sharing inaccurate information that is no longer reflecting on their side and I DO NOT CONSENT TO THAT INFORMATION BEING SHARED. They keep adding remarks to my credit report without my request when everything should be removed. They are aware of the multiple recordings that I have from XXXX, XXXX, XXXX, XXXX, XXXX, etc that all have said that my account should not be in that status during dispute and the negative reporting should not have been made. Yet, they will act as-if they are doing the consumer a favor by reversing fees that shouldn't have been imposed while their life is falling apart due to inaccurate and unfair credit reporting. 

I will be pursing XXXX for the damages their actions alone have caused as many other creditors have retaliated as a result of their claims despite my due diligences and efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
This dispute with XXXX has been ongoing since XX/XX/2022. It took extremely longer than 30 days for anything to be addressed which is the catalyst to why improper reporting even took place. After initiation of the dispute my account was closed. This created difficulty submitting requested docs via the portal and accessing their responses as XXXX suspends consumer online accounts as a result of account closures. I have proof that telephone correspondence was to no avail even after getting multiple XXXX 's representatives recorded, admitting to the dispute mishandling and promising to correct the inaccurate reporting, no accountability has been taken. XXXX refuses to stand behind a multitude of their trained staff. 

As of recent, the XXXX XXXX XXXX XXXX XXXX has been handling this matter. They have sent out two notices. One admitting that they feel the XXXX host still deserves the right to be paid despite illegally recording, my family of XXXX including XXXX minor children in the XXXX, which is against XXXX and Fair Housing policies. They also sent out a second letter acknowledging that I was led to believe corrections would be made to the account that they now refuse to honor. 

They only thing they've honored is removing the late fees from XXXX XXXX. However, if you deem that the late fees should be reversed due to the account being in dispute this whole time, why don't you agree that my credit report ( which has a way larger impact ) shouldn't reflect the same? 

Instead, they are sharing inaccurate information that is no longer reflecting on their side and I DO NOT CONSENT TO THAT INFORMATION BEING SHARED. They keep adding remarks to my credit report without my request when everything should be removed. They are aware of the multiple recordings that I have from XXXX, XXXX, XXXX, XXXX, XXXX, etc that all have said that my account should not be in that status during dispute and the negative reporting should not have been made. Yet, they will act as-if they are doing the consumer a favor by reversing fees that shouldn't have been imposed while their life is falling apart due to inaccurate and unfair credit reporting. 

I will be pursing XXXX for the damages their actions alone have caused as many other creditors have retaliated as a result of their claims despite my due diligences and efforts.

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 2023-04-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
XXXX XX/XX/2023, I was pre approved for a small loan. I only applied for a loan due to being out of work for medical reasons. I signed the loan documents and called to finish the process. I was told my application would be denied because I needed 3 months of paystubs. The problem is, Wise Loan does not specify this information until AFTER you provide them all your personal information such as SSN. The other problem is the requirement for 3 months of paystubs is NOT annotated anywhere in the loan documents OR on the application on their website. So this company has my personal information and then decides to tell me I need 3 months of paystubs after the fact. To add, I dont have access to any signed documents and they dont email you any copies. Seems suspicious to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Hi Sir/Mam, Good Morning.

I have 2 Credit Card accounts with Capital One. 
I had lodged a complaint about the practices of Capital One which was sent to the company on XX/XX/2023. 
This is the previous complaint -> XXXX. 
The company responed on XX/XX/2023 RESPONSE TYPE Closed with monetary relief Company 's Response Please see the attached response. 
MONETARY RELIEF AMOUNT {$25.00} Relief will be paid to my Credit card account in XXXX Statement. 
I left a feedback for that complaint saying the company did not keep up their promise and instead when I called customer service about it they were not willing to look into the reason they company was avoiding what they promised. 

Today is already XX/XX/XXXX and I do not see the promised amount refund. 
Please look into this matter as well asap. Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Capital Recovery Systems, Inc.
State: IN

Complaint narrative:
Last winter in XXXX, I received a parking ticket in the city I live in. The ticket was misplaced so the debt wasnt paid ( original amount was {$30.00} ). I went to the city parking site a few weeks ago to buy a permit and found that I had an outstanding ticket. I had never received a letter nor phone call informing me that the debt was overdue or that it had even been sent to collections. Additionally, I never received any mail or phone calls from the debt collection agency ( Capital Recovery Systems ) informing me of my debt or the possibility of disputing it. I havent had a chance to visit the city office because I am a XXXX XXXX XXXX and the hours they operate are when I am typically in class. Regardless, I had no clue about this debt and there were no attempts to reach out to me to inform me of it. I am not sure if the debt has collected interest or not, and even after I checked out the website of the agency I couldnt do anything to get more information as I needed an invoice number that was supposed to be received when notified of the debt ( which I didnt receive ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: MS

Complaint narrative:
I have spoke with experian since XXXX  about the same inaccurate debt they refused to validate according to the recorded call XXXX and a previous credit specialist for experian rent bureaur failed to validated the debt from XXXX. XXXXXXXX XXXX XXXXXXXX on my rent profile. They also stated they only received a reply and denies a metro compliance investigation into the validation of the debt. It has been several years of back and forth with this dispute where my consumer rights have been continually including the uniformed service codes the protects me against such negligence. They have removed this from my credit file but refuse to remove this inaccuracy from my rental history. this has been listed on my credit pas the statute of limitations and I demand correction and them to be held accountable.

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  and XXXX XXXX XXXX been supplying XXXX XXXX, XXXX, Experian and XXXX with harmful and negative information on me for over three years. These event are choosing me to XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, est. There has to be a clear reason that companies are attacking single minority women to the point that they weather me XXXX instead of just following guidelines with the FDCPA and the IRS the CONSUMER. Please help inn this matter because I being attacked. There are several CHARGE OFFS and enough is enough I need the title to my XXXX XXXX please.

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 2023-04-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: TX

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  been supplying XXXX Nexus, XXXX, XXXX and XXXX with harmful and negative information on me for over three years. These event are choosing me to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  est. There has to be a clear reason that companies are attacking single minority women to the point that they weather me XXXX instead of just following guidelines with the FDCPA and the IRS the CONSUMER. Please help inn this matter because I being attacked. There are several CHARGE OFFS and enough is enough I need the title to my XXXX XXXX please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 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: NY

Complaint narrative:
On my Experian report XXXX XXXX account was listed as first being in collections for {$1800.00}. I disputed it sending in proof account was paid as agreed for {$1800.00}. It was then updated to being charged off for {$3600.00}. I disputed again and sent proof again it was paid as agreed for {$1800.00}. It was then updated to being written off for {$3600.00}. This account was paid as agreed

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 2023-04-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Netspend Corporation
State: NC

Complaint narrative:
This is my 6th incident... I had my direct deposit going to Netspend... I got a new card on XX/XX/2023. I checked my card there was a charge on XXXX for {$130.00} to XXXX XXXX made that I did not do.. Then i got a new card on XXXX ... this is card 6 ... I have called several times to XXXX where I have no account with them they can't find me nowhere in there system they won't talk to me any more without a court order I have called Netspend all i get is they are looking onto it every time I call they give me another date for a update Now they say I have to wait till XXXX for a answer to weather or not I'll even get my money back

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 2023-04-21 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:
CREDIT REPORTING AGENCIES EXPERIAN AND XXXX TO DELETE INACCURATE REPORTING OF UNAUTHORIZED, INACCURATE DELINQUENT AND LATE PAYMENTS SHOWN ON CREDIT REPORTS : ID THEFT REPORT ATTACHED XXXXXXXX XXXX XXXXXXXX XXXX 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 2023-04-21 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: OH

Complaint narrative:
Transunion, XXXX and XXXX will not allow me to dispute this item that is now " Paid '' due to constant issues with them deleting the account history status that is recorded monthly since opening account of which caused a 'LOWER '' scoring model to be used on my credit report. It is showing " Missing Status History '' Currently but has been " Paid '' on XX/XX/2023.

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 2023-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: HANCOCK WHITNEY BANK
State: TX

Complaint narrative:
Whitney Hancock changed my checking/savings account without my permission and then stated that I no longer needed to have an account balance to avoid fees. I have been downloading my account activity through XXXX and there should be no activity because this is a savings account. XXXX shows my account as it should be. 

I was charged and sent a paper account statement and it showed that I had been incurring $ 10 monthly fees AND the bank also charged me {$3.00} for the paper account statement that I did NOT request. 

I downloaded from quicken and there was nothing showing these charges. I logged in and found that I had to reregister even though my XXXX has been logging in all this time. 

I got in my account and saw all these $ 10 monthly charges! I never wanted this account. It is a savings account. 

I have been TRYING to get my money out of my account and the bank will not activate my account and furthermore, after speaking with the most rude and vindictive person, the woman literally locked me out of my own account and I can not get access back. 

I am not going to show up in person. I want my money and have been trying to pull it from other banks but it keeps being denied. The bank will NOT unlock my account and are seizing my assets at {$10.00} per month and now charging me and additional {$3.00} a month to show me they are taking my money with all these junk fees. 

This is going to continue because the female employee that I spoke with is vindictive and locked my account and nobody has the power or will help me get my account unlocked. The employee not only locked my account but she put it into dormant status. And if they send my money to the State of Texas then I will have to pay 10 % of the total to get my money back. 

Whitney Bank is a horrible bank and they need to be punished for their illegal behavior. I want my money. I don't want my account locked and then made dormant by a vindictive bank employee and there has to be someone that can help. I am at my wits end dealing with these horrible people and their runaround. I want ALL these junk fees reimbursed and I want ALL my money and I want to get my money out before closing this account. 

Whitney bank should not be allowed to be in business. They make up junk fees, change your account type and charge you all kinds of fees to slowly eat at your balance and they are vindictive and will NOT do anything to help you get your money or close your account but they will do everything to be vindictive and make it even more difficult for you to get your money. This bank needs to be fined and have their banking charter revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I took out a student loan for over {$120000.00} in XXXX. When I graduated, I was paying over {$1000.00} a month back with the help of my dad who co-signed the loan. In XXXX my dad died and I reached out to Wells Fargo to let them know that my co-signer died and I needed to arrange a payment plan because I wasnt making enough by myself. They refused to arrange a payment plan and when I didnt pay the full monthly payment they defaulted my loan. Im currently making {$100.00} a month payments for this defaulted loan while taking the hit on my 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 explanation