vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 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: GA

Complaint narrative:
I had an account with XXXX and the last XXXX numbers of the account were : XXXX. 

According to my records, my last payment was In XXXX of 2015. I have tried to get Equifax to change the date several times and I keep getting responses where Equifax doesn't verify the dates, but accepts the card issuers statement as true. Herein lies the problem, there is no verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
Two banks, TRUIST and XXXX XXXX XXXX allowed withdrawals exceeding {$120000.00} from my accounts!

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 2022-09-23 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: FL

Complaint narrative:
XXXX... XXXX AND TRANSUNION XXXX .ALL HAVE DIFF DATES ON THEIR SITES ... OBVIOUS MISTAKES AND THEY WILL NOT HELP OVER THE PHONE AND WHEN YOU DISPUTE AN ITEM ... ITS NOT CORRECTED OR INVESTIGATED AND YOU TRY AND DISPUTE IT AGAIN BECAUSE ITS WRONG... .THEIR COMPUTERS KICK YOU OUT AND DONT LET YOU DISPUTE ERROR THAT HAS NOT BEEN FIXED... .AGAIN AND AGAIN AND AGAIN. ON THE PHONE THEY WONT REMOVE OBVIOUS ERRORS AND THE DISPUTES ARE NOT RESOLVED PROPERLY OR THEY ARE LEFT IN THE HANDS OF THE CREDITORS ... XXXXALL 3 HAVE HUNG UP ON ME WHEN I QUOTE THE FCRA AND THEIR RESPONSIBILITIES ... .CFPB IS NO HELP AT ALL ... XXXXWHY DO YOU ALLOW THEM TO TOY WITH PEOPLES LIVELIHOOD ... .AND GET AWAY WITH IT ... ..HOW IS IT CFPB IS A BANDAID ... .ON A CUT THAT NEEDS STITCHES ... .CREDIT BUREAUS ARE GETTING AWAY WIRH MURDER AND YOU TELL THE AVERAGE WORKING PERSON TO GO TO COURT ... .WHY AM I GOING TO COURT TO PROVE THEY ARE WRONG ... .I HAVE 5 CASES ON MY REPORT WHERE IVE MADE NO PAYMENT ... .CREDITOR CANT PROVE IT ... .BUT THEY KEEP IT THERE AS IS ... A BLATANT LIE ... AND THERE IS NO REAL RECOURSE OR PENALTY TO OR FOR THEM SO THEY KEEP DOING THE SAME THING THEN A COMPUTER GIVES U A CODE AND REJECTS DISPUTES THAT HAVE NOT BEEN RESOLVED MOBTHS N MONTHS GO BY AND NOTHING... .WHAT GOOD IS THIS SYSTEM THAT ONLY BENEFITS THE COMPANY GETTING PAID TO HELP CROOKED BUSINESSES WHO DONT CARE ABOUT PUBLISHING WRONG INFO AND DOING SO KNOWINGLY ... .I HAVE 3 ACCTS THAT HAD CLOAED DATES ... REPORTED BY CREDITOR THEN WHEN I DISPUTE IT ... .CREDITOR SUBMITS " NEW VALIDATED CLOSED DATES '' HMMMM

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 2022-09-23 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: FL

Complaint narrative:
XXXX... .EQUIFAX AND XXXX XXXX XXXXALL HAVE DIFF DATES ON THEIR SITES ... OBVIOUS MISTAKES AND THEY WILL NOT HELP OVER THE PHONE AND WHEN YOU DISPUTE AN ITEM ... ITS NOT CORRECTED OR INVESTIGATED AND YOU TRY AND DISPUTE IT AGAIN BECAUSE ITS WRONG... .THEIR COMPUTERS KICK YOU OUT AND DONT LET YOU DISPUTE ERROR THAT HAS NOT BEEN FIXED... .AGAIN AND AGAIN AND AGAIN. ON THE PHONE THEY WONT REMOVE OBVIOUS ERRORS AND THE DISPUTES ARE NOT RESOLVED PROPERLY OR THEY ARE LEFT IN THE HANDS OF THE CREDITORS ... .ALL 3 HAVE HUNG UP ON ME WHEN I QUOTE THE FCRA AND THEIR RESPONSIBILITIES ... .CFPB IS NO HELP AT ALL ... .WHY DO YOU ALLOW THEM TO TOY WITH PEOPLES LIVELIHOOD ... .AND GET AWAY WITH IT ... ..HOW IS IT CFPB IS A BANDAID ... .ON A CUT THAT NEEDS STITCHES ... .CREDIT BUREAUS ARE GETTING AWAY WIRH MURDER AND YOU TELL THE AVERAGE WORKING PERSON TO GO TO COURT ... .WHY AM I GOING TO COURT TO PROVE THEY ARE WRONG ... .I HAVE 5 CASES ON MY REPORT WHERE IVE MADE NO PAYMENT ... .CREDITOR CANT PROVE IT ... .BUT THEY KEEP IT THERE AS IS ... A BLATANT LIE ... AND THERE IS NO REAL RECOURSE OR PENALTY TO OR FOR THEM SO THEY KEEP DOING THE SAME THING THEN A COMPUTER GIVES U A CODE AND REJECTS DISPUTES THAT HAVE NOT BEEN RESOLVED MOBTHS N MONTHS GO BY AND NOTHING... .WHAT GOOD IS THIS SYSTEM THAT ONLY BENEFITS THE COMPANY GETTING PAID TO HELP CROOKED BUSINESSES WHO DONT CARE ABOUT PUBLISHING WRONG INFO AND DOING SO KNOWINGLY ... .I HAVE 3 ACCTS THAT HAD CLOAED DATES ... REPORTED BY CREDITOR THEN WHEN I DISPUTE IT ... .CREDITOR SUBMITS " NEW VALIDATED CLOSED DATES '' HMMMM

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
I have submitted 2 requests for research on my HAF payments not only to Ameris Bank but also to The HAF program to no avail. HAF states funds have been sent and unable to provide proof and Ameris Bank XXXX XXXX states no funds received. 
I personally made 2 deposits on XX/XX/XXXX when I was still able to do it through portal. I now do not have the ability to use portal any more due to being enrolled in the HAF program. I personally sent another check in on XX/XX/XXXX as I do not want to get behind check # XXXX. This check has to this date not cleared my bank. But when calling it was verified that Ameris BankXXXX has received it. No funds applied to my mortgage and not cleared. This is very concerning. Not only are the HAF unable to locate and/or applied but now my personal check either. Thank you for researching this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I'm applying for credit card and my identity was stolen about XXXXyears ago. I need my own money back and my namevOFF XXXX 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 2022-09-23 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 — Card was charged for something you did not purchase with the card
Company: PENTAGON FEDERAL CREDIT UNION
State: OH

Complaint narrative:
This is reference to card number ending in # XXXX Sometime around the dates of XXXX XXXX XXXX, I had reached out to Penfed to report transactions that I did not recognize as I had lost my wallet several months ago. 

They took my information and cancelled the card. 

The amounts that are fraud consist of all of the transactions made in XXXX in the month of XX/XX/2022 as I had again, lost my wallet inside of the store for an extended period of time. 


On XX/XX/2022, a XXXX representative left a voicemail and mentioned that my claim was denied because it was beyond " 60 days '' and five months. 

However, on their website " IN WRITING '' states that there is not a timeframe for fraud claims. 

The representative was clearly dishonest and I called him back. In addition, I contacted Penfed security again to reopen the claim. 


Not sure if this was an error on their behalf or not, but I find it very unethical and unprofessional for a bank to contact the consumer expecting the member to be financially responsible for fraud transactions, then giving wrong information when what is in writing says something completely different.

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 2022-09-23 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: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
In XX/XX/2020 I was a victim of an online travel agency that was taking money for trips that werent authorized or allowed due to Covid restrictions. As instructed by the company and other people who were also scammed I reported this to my bank. They refunded the money that I was scammed out of. XXXX dollars. When looking back through my statements they later took that money back out of my account a few months later and would not issue me my refund. Since there have been lawsuits against the company that scammed many people and others have received their refund by their banks. I still have not gotten my refund back from my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: CA

Complaint narrative:
I still can't login to my Equifax online account. Equifax still hasn't email or called me no resolution was done. What is happening with my account and credit file??? 

I opened several complaints already on this issue : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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:
Experian has been the worst. They want to charge {$30.00} and upwards for information thats not complete or accurate. I have called many times because even after i make a proper account i can not login. The information to sumit disputes is always down and it has been down for at least 3 months. This company has been less than helpful and reluctantly transfers you to a representative. They do refuse to speak with customers at all times.

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 2022-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — High-pressure sales tactics
Company: Arapahoe Motors
State: WY

Complaint narrative:
After finding a vehicle I liked at a local dealer, I was excited, I went and put {$9800.00} down as well as traded in my car. A short time after, I got a call that the dealer was taking the car back due to financing not being approved. In the meantime, they had sold my trade-in and refused to give me any of the {$9800.00} back that I had put down, citing a $ XXXX XXXX fee in addition to any wear or tear. They charged me this even though it was specifically outlined in CO code that this is not an acceptable practice.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I contacted Transunion several times to remove the fraud alert off my credit. I can not even get access to my free transunion credit report because they keep requesting the same docs to be mailed to them to confirm my identity, which I've done 5x already and they refuse to give me access to the credit report and remove the alert that I asked for. Please contact them to take care of this. This is beyond frustrating. I mailed them a copy of my id, ss card and a bill with my name and address on it 5x.

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 2022-09-23 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: TX

Complaint narrative:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
Hello, All of my accounts have been hacked /compromised by hackers.CHASE BANK is not believing me that the hackers have stolen money out of my checking, savings account totaling {$5000.00}, some of my bills are being paid but I dont have any money because my account is in the negative.How can I pay my bills if my checks are being taking away from me. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Over a year my banking has been used debit cards credit cards loans. XXXX XXXX had tons of fraud on my accounts they closed due to fraud and someone out of us trying to deposit funds it continues to happen I recently found out I was part of XXXX breach it said 5 breaches I gave letters my medical records were taken my mortgage company sent me a letter u was compromised. I have loans and credit cards not mine I have a claim number for breach its ruining my life my credit my banks been compromised.

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 2022-09-23 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: VA

Complaint narrative:
Transunion has REFUSED to provide me with their method of verification for Public records showing on my credit report pertaining to Bankruptcy # XXXX and Bankruptcy # XXXX. 

Under the FCRA, Section 611 ( a ) ( 6 ) and ( 7 ). The credit bureau must give you the method of verification information within 15 days of your request. Transunion has been using deceptive practices to Willfully harm my personal reputation and has caused me financial harm.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: WV

Complaint narrative:
on XX/XX/2022 I checked my Experian account and seen where they had a wrong address on file for me, I disputed it because we have never lived on XXXX  XXXX, they said it was fixed, checked the status and it's still the same, they changed nothing. Also seen on Experian that they are using my husbands SSN, It wouldn't let me dispute it. Why is his SSN on there? Went back and looked at my personal information and now there are No SSN in that profile. I know what i saw, Experian is the hardest credit reporting agency to navigate. I also tried calling, had a computer the entire time with No options to help me with the SSN on my account. Any help you can give me would be great because getting right info to fix problems on Experian is not an option. Had also filed a dispute about wrong name on a medical bill, Said XXXX XXXX ... .but since they had my SSN they just changed the name on the report and added it to 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 non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: TX

Complaint narrative:
XX/XX/2022 : I requested a refund for payments made during the grace period for my student loans. Edfinancial has not made progress on refunding the loans. 

Internet communities have implied that progress will not be made until complaints are filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I have used the Chase remote " quick deposit '' feature several times and every time I use it my funds are not available for many days if not weeks. Recently, I made a deposit in my business account on XX/XX/2022, the funds are still not available as of XX/XX/2022. Chase is falsely advertising this feature. On its website it states : " Use XXXX XXXX  on the Chase XXXX app to deposit your checks and access your funds quickly. '' https : //www.chase.com/digital/mobile-deposits This is false advertising. I reached out to Chase to inquire as to what the problem is sending two messages on XX/XX/2022. I have not received a response to either message as of this date. I have had this problem in the past so it is not an isolated incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: Credit Karma, LLC
State: LA

Complaint narrative:
Credit karma gave me a pre approval for a laf and credit cards when I applied I was denied and it hurt my credit score couldn't get a house or car because of the low credit score raised my interest on my insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: MI

Complaint narrative:
Equifax refuses to properly investigate any of my complaints claiming the personal information I have submitted does NOT match what they have. Please see their attached letters. Equifax has been obstructing my ability to dispute inaccurate information for years with a deliberate scheme by FALSELY claiming the information I have submitted is inaccurate. The information I have submitted DOES match what they have on file. Otherwise I am requesting for Equifax to provide me with the specific information they have on file that does NOT match what I have provided. Is it my address, social security number, date of birth. I am not asking for the information they have just the area of information they claim does NOT match. 
see my latest complaint XXXX Additionally, Equifax CONTRADICTS their own claim by mailing me out an updated credit report. Are you serious-????

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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