vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-19 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: OH

Complaint narrative:
I sent a letter and FTC report regarding fraudulent and unknown things on my credit report to this day over 39 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 39 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me financially and the ability to provide to my family. My information has been impacted by the recent XXXX data breach and may have gotten compromised by the breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: OH

Complaint narrative:
I sent a letter and FTC report regarding fraudulent and unknown things on my credit report to this day over 39 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 39 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the extreme amount of stress you caused me financially and the ability to provide to my family. My information has been impacted by the recent XXXX data breach and XXXX have gotten compromised by the breach.

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 2023-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Account name # : XXXX XXXX XXXX # XXXX Balance : {$1500.00} Date : XX/XX/2020 Account name : XXXX XXXX date : XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights 15 U.S C 1681 section 602 A. States I have the nght to privacy 15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S C. 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency fi the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-08-19 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: EQUIFAX, INC.
State: AL

Complaint narrative:
Account name # : XXXX XXXX  act # XXXX Balance : {$1500.00} Date : XX/XX/2020 Account name : XXXX XXXX date : XXXX XXXX Account name : XXXX XXXX XXXX has violated my rights 15 U.S C 1681 section 602 A. States I have the nght to privacy 15 U.S.C 1681 Section 604 ASection 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S C. 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer reporting agency fi the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: CA

Complaint narrative:
I started investing with robinhood around 5 months ago and soon after I was got my account place under review. All my stocks got sold and I was unable to withdraw my money from the account. There is no one to reach out to because they restricted my account from contacting them. They said in an email they cant verify the legitimacy of my money which does not make sense because I can even show them the record of my bank statement that I transferred the money in XXXX. There is no way to get in contact with someone that can help me over the phone and I really need my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-19 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: OR

Complaint narrative:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-08-19 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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
keep getting denied for anything that I apply for and it's being forced. That's a form of Identity Theft and consumer discrimination. Transunion is also using bots to interfere with my online activities and not allowing me to obtain my credit reports so I can go fourth with my disputes. 
XXXX characters of XXXX used About you Are you filing this report for someone else?

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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Tried to remove the fraud alert from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have been working with XXXX XXXX, the branch manager, at my local Truist bank branch that I have been charged an additional interest payment that I did not owe. It is an equity line. It originated in XXXX. I have been to the branch multiple times to have this corrected. They keep redirecting payments. Which is their solution to the problem not my request and payments go to principal instead of interest etc... I get notices in the mail that I have not paid. I get phone calls that I have not paid. I have made an interest payment every month and paid {$1000.00} to principal. I just got off the phone again after explaining again only to reach another dead end. This was 38 minute long phone call. I ask for phone numbers of people in charge of XXXX, who has been unable to correct this from XXXX to the current date and I am told they can not give me this information. I have been told this at the branch, online and from the bill collectors. I have the payment coupons for each month and checks from my bank and my bank statements to show that I have been making payments. I have made all of the payments at the branch office and they have applied them to my account.

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 2023-08-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
On late XX/XX/2022, likely around XX/XX/22, I was trying to redeem XXXX rewards certificate ; however there is a system on XXXXComenity bank that I can not redeem my rewards, system display an issue saying there is something wrong, try again later. I called customer service and they acknowledged the issue ; and told me if the rewards expired, they can send it back to me. However it never happened. The rewards totaling around {$60.00} went expired. I have been calling more than 5 times but the answer is they can not reissue the expired rewards. Very frustrating experience. Feel like my money is stolen by XXXX and Comenity Bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-19 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: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 explanation
Consumer complaint received 2023-08-19 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: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
I ask using the Western Union app. Each time you send a money transfer you are awarded points that you can either use as credit towards your sending fee. But almost every time I've tried to use the Tool, while it's on another page, it's been very difficult to use and has been basically useless to me most of the time. The loading time is endless. The page never loads on mobile or wifi. 

Most every time, I end up giving up and going back to the send page to send my grander l transfer and end up paying the send fee! I've complained before but never gotten a real response as to why this conveniently happens almost every time I try using my points. There's been several occasions I have allocated credits but when I go to submit my transfer my transfer credit is NOT applied and I end up paying the fee anyway. Then I notice my rewards credits are fewer than what they were before. I also see where I am not getting proper reward credits for transfers I've already made. 

The make millions on transfers but their rewards program is a failure and a fraud. 

Please assist me in this matter by looking into any other consumer complaints. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 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: TX

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 2023-08-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Hello I have a TWIN Brother they keep getting everything switched up on both of are credit files we are 2 different people I have reached out to all the companies pertaining to the incident.

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 2023-08-19 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: VA

Complaint narrative:
Experian has attempted to bill me for viewing my credit 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 2023-08-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
There are at least five accounts on my credit report that are showing up to 18 late payments. XXXX. XXXX XXXX. XXXX. XXXX. XXXX XXXX XXXX XXXX . XXXX. XXXX XXXX XXXX. XXXX. Indigo Credit card. It all started during the beginning part of COVID-19. When my jobs started shutting down, I called all of these Credit card companies and told them that I was being affected by this virus health wise and financially. I don't know what has happened, but my credit report is showing that I have 18 late payments!! OMG! I also called and told them that I lost both of my parents last year. We weren't expecting my father to die, but we suffered his loss as well. I tried explaining this, but it didn't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Brock & Scott, PLLC
State: NC

Complaint narrative:
WRONGFUL FORECLOSURE AND WRONGFUL EVICTION I am a living, lawful woman whose " real '' property and " personal '' property was stolen, sold, and transferred without my knowledge. My children and I are now homeless ; suffering immediate distress and injury from loss of property. 
experiencing irreparable loss, injury, and damages permanent loss of home and land after the wronged borrower fulfilled and performed all contractual duties loss of personal property wrongful lenders stole private property from violation of breach of contract by the denial of my inalienable AND contractual rights ( of the living, lawful woman ) ; CONTRACT IS NULL AND VOID having only one signature on the mortgage loan promissory note and on the mortgage loan security. MY SIGNATURE WAS THE ONLY SIGNATURE. The bank/lender ( s ) never signed the original promissory note. 
violations of : non-full disclosure ; misrepresentation with fraud ; wire fraud ; identity theft ; identity fraud ; deceptive trading practices ; non-consent ; misconduct ; intentional billing errors ; and more fraudulent short-sale The foreclosure process started in XXXX or XXXX. The private property was sold/transferred to a different lender in XX/XX/XXXX without full disclosure and without my consent. 
In XXXX, debtor/principal/secured party/trustee/wronged borrower fulfilled and performed obligatory duties with several ACCEPTED/ENDORSED payments with consideration to EACH bank and lender with the following : bill of exchange ( {$500000.00} AND {$360000.00} ) ; security instruments/vouchers/remittance coupons ; 1099A ; 1099C ; bill of credit ; letter of credit; etc... along with notices of fraud, contractual violations ( breach of contract ) ; deceptive trading practices, misrepresentation with fraud, wire fraud, intentional billing errors, harassment, identity fraud, identity theft, etc... and more. TOTALLY DENYING MY INALIEANABLE RIGHTS WITH THESE VIOLATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am a consumer of the chase sapphire reserve credit card which I have had since XXXX when it was first launched. On XX/XX/XXXX I tried to transfer XXXX points to my Marriott account via the Chase system as they are a verified travel partner and Chase was offering a 50 % bonus on transfers to Marriott. As such I should have received XXXX Marriott points into my account. Each point can be redeemed for XXXX cents, so these points were worth ~ {$1600.00}. 

As per the chase policy I could only transfer points to a travel partner account which has the same name as my chase account or to a verified household member registered to my chase account. During the transfer the Marriott account number was incorrect by one digit. Instead of XXXX, the chase transferred the points to XXXX. 

When I contacted Chase about this issue when the points did not make it to my Marriott account, they reassured me that this was a mistake and that it will be rectified and I will hear by physical mail in 10 days. In late XXXX, I got a letter saying my claim has been rejected. When I called Chase and asked them they said that they can not do anything as the points have been transferred already. When I pointed out their own policy of what transfers are eligible they were extremely rude and told me there is no recourse and I should take it up with Marriott. Marriott obviously can not divulge private details of another customer to me. I never registered another household member with Chase and they never verified where the points were going, all of this against their own stated policy. 

I no longer want to be a chase customer, but I would like reimbursement for these points in the form of {$1600.00}. I pay a very steep annual fee for this card ( {$550.00} ) and spend $ XXXX on this card annually. This loss negated any potential benefit from the card.

Company response to consumer: Closed with explanation