vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-10 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX has claimed that there is no erroneous reporting. This is a false claim to the previous complaint to XXXX to report it to the CFPB when, in fact, the reporting is still erroneous contrary to their claim, see attached this is causing hardship, and this company will be liable for any irreparable damage caused to myself or my company.

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 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XX/XX/2022 I was held at XXXX point and robbed of my purse which contained my debit card passwords and my phone I immediately reported this to police since I had no money it took me awhile to get a new phone and in that time XXXX was taken from me and spent using my debit card on various things I disputed this as soon as I found out and was denied getting my money back Im currently XXXX XXXX XXXX  and I was saving for a apartment this set me back months and I dont know what to do because the bank denied me in less than 2 days of investigating my claim please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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: MI

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. nothing happened, they stated was verified but could not send me any information on who verified or anything. 

I have sent 3 letters, the last has been attached

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 2022-11-10 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: NY

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established this account. I have no knowledge of obtaining any of the accounts listed here.

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 2022-11-10 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:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I've been a customer with Wells Fargo since XXXX. They have great customer service and lots of locations, however, there overdraft fees are awful. For instance, since XXXX of XXXX I've been garnering over {$100.00} in overdraft fees monthly. When I pay my bills from the debit card linked to my account, the funds are available. I spend no money in between, but still seem to end up with overdraft fees monthly. 

I'm attempting to fix my credit and get my savings to together to buy my first home. Every time I think I will get my full paycheck and have a budget, here comes Wells Fargo overdraft fees. 

I would like to file a formal complaint.

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 monetary relief
Consumer complaint received 2022-11-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: TN

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This item found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating this account. This debt collector is in violation for putting this unknown account on my credit report. This has caused me to suffer and its defamation of my character.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Four Directions Lending LLC
State: MI

Complaint narrative:
I applied for a loan with West Side Lending in XXXX or XXXX of this year. The payments are not what they said they would be. I contacted someone online to see about setting up a payment arrangement and to get the balance. They always say it changes everyday. And still to this day don't know what I owe

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/22, I attempted to access my account via the mobile app to which I continuously received an error message. I then attempted to access my account via the mobile web and received the same error message. I then proceeded to call CITI directly to figure out if the site was having issues only to discover that my account was restricted and pending closure 30-90 days due to suspected fraud. No heads up, email, text, call or anything. CITI also blocked my debit card revoking access to MY money. The rep on the phone asked has this happened before, I said no this is the first time. I spoke to another rep who related that it was due to a check being deposited that same day was that was apparently returned that same day due to XXXX I have no control over that. That doesnt even sound right.

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 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: NAVY FEDERAL CREDIT UNION
State: MS

Complaint narrative:
On XX/XX/2022 I contacted Navy Federal Collection Department they took my financial info and said. I would have skip payments and that my payment on my account for my credit card would show current after a few weeks no adjustment was done so I became very concerned On XX/XX/2022 I called them they never contacted me they told me that it was denied and said the department was suppose to reach out to me but as of todays date they never did I was misinformed and was told that my account status would be corrected and. I would not have a payment til XXXX they even inputted the payment in the system and deleted the payment for XXXX now I am months behind due to this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I filed a complaint with XXXX in XX/XX/XXXX. LOANCARE mortgage service was asked, written to, I emailed per their email address given, called numerous times, to get my partial claim amount correct and XXXX  released. 
They said it was done and even told XXXX they were resolving it in XXXX. AN ATTORNEY STATES THEY WOULD START FROM FIRST DATE OF COMPLAINT WHICH IS ACTUALLY XX/XX/XXXX. WE ARE WAY PASSED A DELAY OR EXCUSES THIS TIME PER LAW. 
Now trying to get XXXX XXXX loan and new mortgager says my XXXX is not released. 
HUD COMPLAINT REP STATED ON XX/XX/XXXX said they want to know why claims weren't filed while under forbearance,. LOANCARE SENT HUD A XXXX release for {$7500.00}, NOT RETURNED. PER MY COUNTY CLERK -2 RELEASES FOR {$10000.00}. AND MY NEW MORTGAGER SAID NOTHING BALANCES AND XXXX IS NOT RELEASED. 
It took 4 months to get Loancare to fix their records only to find out OVER 6 MONTHS LATER ITS NOT CORRECT NOR COMPLETELY RELEASED. 
Recorded calls, PER THEIR COMPANY, no one will tell me why or even look it up while on the phone to find the problem to fix it. Don't lie Loancare, that call is recorded. 
XXXX  Loancare! 
This illegal undue stress, along with damages related to them not getting their job done in the time frame allowed, and me not able to get what I am approved for BECAUSE OF FALSE REPORTING and should be held accountable AS A CUSTOMER WOULD BE. 
THEY ALSO STATE IT WILL TAKE MONTHS TO GET IT CORRECT. ARE ARE THEY ALLOWED MORE THAN THE 6 MONTHS ALREADY GIVEN, AND THEN TELL ME IT WILL TAKE ANOTHER MONTH OR TWO, TO FIX THEIR ERRONEOUS ERRORS? AS I SAID, AN ATTORNEY, NAME CAN BE PROVIDED, SAID THEY WILL GO BACK TO THE FIRST COMPLAINT FILED IF I SUE THEM, IF NOT FIXED IN A TIMELY MANNER. 
HOW IS THIS ALLOWED? I WANT MY XXXX RRLEASE CORRECTED AND RELEASED SO I CAN GET MY HOME EQUITY LOAN! 
**** LOANCARE HAS BEEN SUED PREVIOUSLY, AND LOST, BECAUSE OF ISSUES JUST LIKE THIS.

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 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CLGF Holdco 1, LLC
State: OK

Complaint narrative:
For the past 3 weeks, starting on XX/XX/2022. I have been trying to close my indigo credit card issued by GENESISfs CARD SERVICES. I had to call numerous times and everytime I called, someone would tell me : " we just closed your account '' So what about all the previous times I called and they told me they closed it. I let a couple weeks go by thinking that perhaps I just have to wait and give it sometime for them to close the account. Even though, online, my account still shows active and ready to go. Yesterday, I received in the mail a letter from them saying that I was dead, and that they wanted to death certificate for them to close my account. 

1. I have a XXXX balance on the account 2. Im not dead. 
XXXX. And all I'm requesting is for the to close this account. 

Why are they making so difficult for them to close an account? 

i have attached copies of the letter I received from them and the letter I sent back to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: World Omni Financial Corp.
State: NC

Complaint narrative:
On XXXX XXXX. I submitted a 2nd attempt for a payment extension. The 1st one I didnt get any email or confirmation of submission so I submitted again on the XXXX. I submitted a payment extension via online with my financing company Southeast Toyota. The email after submitting the request stated that I will hear a response in 3 business days. I hadn't heard anything ; which was unusual, because in the past when I had requested one. I would just pay a prorated amount and then my payment would be extended. No red tape, no documentation requested, no reasoning or purpose of the extension requested..nothing. I went today to verify since it has been past the 3 business day time frame. I noticed that they left a message in the secure message of their website. The following showed where I submitted the request at XXXX and it was canceled the same day at XXXX. No explanation! Just indicating if I wanted to request another to call their number and the working hours. So I called because I wanted to know why it was canceled. I spoke to a representative XXXX. She thoroughly explained to me that it was under " review ''. That when its under review that they have to take a look at it. She stated because I had two previous extensions. One in XXXX and another in earlier in XXXX. I have only two months available for the life of the loan. So I asked " What do you mean I have 6 months over the life of the loan ''? I don't recall reading that in my promissory note. Nor was it ever disclosed to me when I submitted the other two extensions with no hassle. I asked her where was this stated as I have never heard of this policy. I asked her could she send me the prom note where it states this. I was put on a brief hold for her to come back and say " it's not written anywhere, it's a courtesy ''. I explained how was I supposed to know of this courtesy if it was never explained or disclosed during the previous two extensions. You have no record of my previous hardships whether it was covid related, income or health hardships. Yet I am told when I need help this it is my very last opportunity to get an extension. That's very deceptive and misleading. Also a regulation issue as it was not disclosed in any manner written or verbal. I'm highly upset as I am currently experiencing a hardship and to be felt like I have been put into a corner because of information I was never given. For someone who pays well over the minimum payment amount every month. I have never been late and I am approaching year XXXX on my vehicle this XXXX. As someone who works for a financial institution and is very familiar with auto lending as well as audit regulations and unfair practices. I had to make a complaint because I am sure others who do not know there rights have been harmed in there unjust practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry XXXX XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX-XXXX  Date XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date XXXX inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX/XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX XXXX 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 2022-11-10 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
a request for credit was sumitted without my approval.bank agreed sent me a letter stating the inquiry would be removed, now 4 months later still appears on my credit report. 
Please advise if i have to hire a copany to fix this problem.

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 2022-11-10 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: Experian Information Solutions Inc.
State: ME

Complaint narrative:
This is a new complaint. Experian will not remove XXXX from my credit report. It is over 7 years now and should b removed.

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 2022-11-10 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: AZ

Complaint narrative:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

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 2022-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
I submitted a complaint yesterday about Mr.Cooper Mortage company I closed on a house XX/XX/XXXX and they put a 30 day payment on me I talked to my Mortage company who Im trying to get financing from and they told me to also put they have pulled the history and Im 14 years I have never been late on my mortgage with them Please help me in getting this taken off so I can buy a home for my family and its not fair

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: OK

Complaint narrative:
I have a discover credit card. I have been ill this year and also had an injury. 
I made a payment and somehow it returned. I checked the discover account and removed the card that I do not use. It did not come from the card I wanted. Keep in mind that card was removed and I could see it was removed from the account ; however, they still tried to charge it. I had already deleted the old payment arrangement, paid XXXX and made a new payment arrangement. yet, they are still trying to charge me from the old payment arrangement which was deleted. 
I made a new payment arrangement and paid XXXX and it has gone through. the payment arrangement is to pay XXXX over the next 12 months. ( I have had issues surrounding XXXX  more than once this year, and XXXX as I stated ) I called in and talked to XXXX, who apparently was not listening to what I said, and I asked for a supervisor. I had to ask him again, I said, " respectfully, I am asking for a supervisor. '' He placed me on hold, was on hold a while, then I could hear what sounded like grunts and whispering. He seemed to want to argue, instead of getting to my immediate concern of charging a card that was removed. 

My concern is this is not the first time they have tried to take payments from a card that has been removed from the account. I have already made a new agreement, but I first paid XXXX. Somehow that does not seem proper to charge a card that is no longer tied to your account for payment. it was removed days ago and they tried to charge it just last night.

Company response to consumer: Closed with explanation