vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Date happened - XXXX Amounts - None Issue - Unable to view the credit report with reason being " subscriber is not in a desired account state '' though the account was active until XXXX. This account active date was confirmed by the Experian XXXX support XXXX. 
XXXX- over XXXX hours of phone call, spoke to XXXX people. 
In XXXX of the call threads, got transferred 3 times to XXXX different people. 
Started with Experian XXXX membership department who claimed the issue had to do with the credit report information ; routed to Experian dispute department who claimed the issue had to do with membership ; then back to Experian membership department who again claimed the issue had to do with the credit report information. 

Called XXXX times again later, one support specialist claimed they could not hear me ; called the next one kept saying " let me check ... '' and dropped the call called the next one who dropped call in the middle, called again and got dropped without even speaking to them. 

Comments - Highly unreliable service/product as well as unreliable and unsupportive customer service, very concerning given that they handle highly sensitive personal information. No one can resolve the problem other than routing the problem around. Ended up canceling the account and attempted to sign up a new one. 
It turned out then I can not sign up because " they are unable to verify my identity. '' Unreliable service, no one assists in resolving the issue and they just lock your account and tell you " sorry you have to wait. ''

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 2022-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
THIS ORGANIZATION DID NOT RECEIVE MY WRITTEN INSTRUCTION NOR PERMISSION TO REPORT ANY INFORMATION REGARDING TRANSACTIONS OR EXPERIENCES AGAINST MY CONSUMER REPORT. REPORTING LATE PAYMENTS, CHARGE OFFS, AND/OR ALLEGED LOAN AMOUNTS CONSTITUTE TRANSACTIONS AND EXPERIENCES THAT I DID NOT AUTHORIZE, AND ACCORDING TO 15 USC 1681a XXXX d ) ( XXXX ) ( A ) ( i ) THIS IS FRAUD. THIS ORGANIZATION HAD NO PERMISSIBLE PURPOSE TO PULL, NOR FURNISH, MY CREDIT REPORT BECAUSE, I DID NOT GIVE MY EXPRESSED WRITTEN CONSENT, SO THEREFORE, THIS IS IDENTITY THEFT ACCORDING TO 15 USC 1681b ( a ) ( XXXX ). AS A NATURAL PERSON, I HAVE A RIGHT TO PRIVACY ACCORDING TO 15 USC 1681 ( a ) ( XXXX ), AND MY PRIVACY HAS BEEN BREACHED.

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 2022-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
GM Financial is not letting me exercise my federally protected rights. I sent GM a Right to RESCIND letter that they received XX/XX/XXXX, XXXX XXXX signed for it. They have 20 days to respond and send my refund back pursuant to 15 USC 1635 ( b ) and 12 CFR 226.15. They have yet to respond. I called multiple times last week XXXX or XXXX and XXXX the rep told me to give a manager time to look over the document and call back XXXX instead I waited and called XXXX. And they keep sending me to different departments and telling me a supervisor will call me back but haven't called back. I called today XX/XX/22 spoke with XXXX id # XXXX and also XXXX id # XXXX they told me a lead notated the account saying he not dealing with legal matters when this is a letter from me the consumer stating I want to rescind my contract which I have those rights within 3 years because my contract from GM violates XXXX  with the no cooling off period and, I have a right to rescind and they failed to disclose that. Once they transferred me to the recovery department I asked for an supervisor again the guy who name I don't have put me on hold for about 10 mins came and said supervisors are not available. 
The CFPB also has a table of content with the consumers right to rescind stating that a consumer can exercise there rights to rescind as long as you notify the creditor and is in the 3 year period and I have done both. The letter states clearly I'm exercising my rights to rescind.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: PA

Complaint narrative:
Account name : XXXX XXXX, XXXX. Account # : XXXX. Delete XXXX FOR REPORTING AN ACCURACIE. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. transunion and XXXX did not and are in current violation of my rights! Transunion and XXXX, did not complete the investigation in the allotted time of 30 days, I sent a CFPB COMPLAINT and they still did not delete it in the allotted time this is HARMING me and it is {$1000.00} violation from each company, respectively. In addition to that they are not reporting the same information which is a VIOLATION in itself because everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. XXXX. ) Date of last active illegal {$1000.00} violation TransUnion is reporting XX/XX/XXXX XXXX is reporting XX/XX/XXXX See Red marks on Attached. XXXX. ) In a separate dispute I demanded they prove proof of payment for the month of XX/XX/XXXX which they are reporting on the XXXX as OK which is inaccurate which is grounds for the entire account to be deleted I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies

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 2022-02-01 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: PA

Complaint narrative:
Account name : XXXX XXXX XXXX  Account # : XXXX. Delete XXXX FOR REPORTING AN ACCURACIE. previously disputed account. During the investigation XXXX followed the rules and DELETED the account. XXXX and Experian did not and are in current violation of my rights! XXXX and Experian, did not complete the investigation in the allotted time of 30 days, I sent a CFPB COMPLAINT and they still did not delete it in the allotted time this is HARMING me and it is {$1000.00} violation from each company, respectively. In addition to that they are not reporting the same information which is a VIOLATION in itself because everything is supposed to be accurate and if its the same account and its not saying the same thing its not accurate. 1. ) Date of last active illegal {$1000.00} violation XXXX is reporting XX/XX/XXXX Experian is reporting XX/XX/XXXX See Red marks on Attached. 2. ) In a separate dispute I demanded they prove proof of payment for the month of XX/XX/XXXX which they are reporting on the Experian as OK which is inaccurate which is grounds for the entire account to be deleted I sent an account verification back in XX/XX/XXXX They have not responded today is XX/XX/XXXX Which is way more than 30 days Now they have illegally altered the information on the account since then, I have documented proof of my credit report stating the truth and now they are changing things to make it harm me. Delete Pursuant to the FCRA & the FDCPA I now exercise my lawful right to question the validity Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I have given you 30 days to remedy the situation, which is a very reasonable period. I have received no reply from your company. Since you are still reporting this account on my credit report, you are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, which I may collect from you by filing a claim in small claims court. I intend to follow through with the suit if I do not hear back from you within 15 days. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. - I demand this account be deleted from my credit report on all three bureaus and the other consumer reporting agencies

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 2022-02-01 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: I.C. System, Inc.
State: GA

Complaint narrative:
I filled a dispute in regards to the incorrect items on my credit report is has been well over 30 days and I have not received any investigation results.

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 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 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 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands 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 2022-02-01 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: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section XXXX XXXX  XXXX XXXX, it is plainly stated that a failure to investigate these items within XXXXdays gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands 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 2022-02-01 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: GA

Complaint narrative:
I have recently been information reported by XXXX XXXX XXXX in the file you are maintaining under my social security number. Upon ordering an online copy of my credit report, I see an entry from this company listing two different amounts XXXX XX/XX/XXXX, original balance XXXX and collection balance by your company XXXX. Then another account XXXX originally balanced XXXX collection balance amount XXXX. The status amount is XX/XX/XXXX. This account shows I still owe this company XXXX XXXX XXXX. Please validate this information with XXXX XXXX XXXX and provide me with copies of documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my social security number. Please note this violates FCRA and FTC ( 15USC 41, et seq ) This is my final documentation as I have sent documentation to Experian with certified mail on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My action is to pursue your agency for a {$5000.00} lawsuit in XXXX XXXX XXXX for Defamation, Negligent Enablement of Identity Fraud, and Violation of the FCRA.

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 2022-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
To : Selene Finance LP XXXX XXXX XXXX XXXX, TX XXXX We are writing this letter to find out what can I do to resolve my issues with my current mortgage lender Selene XXXX . 
The bank is withholding our money. At the beginning of XX/XX/2021, I called the bank and talked to customer service, explaining our situation and what was going on with our finances. I told Customer service that I can start making double or a payment and half, until we are able to catch up with the balance I own. The bank never ( not even once ) objected, so I proceeded and send Selene Finance {$2400.00} dollars in XX/XX/2021. In XX/XX/2021, we received a check from the bank for the same amount, I originally send to them with a letter claiming that they us to pay the full amount. I called the same day and explain the situation my husband and I are experiencing and the bank agree with us to make an agreement we can catch up with what I own and start brand new, making payments. So, we agree with the terms of the bank and they told me that I need to make a payment of {$2400.00} first payment and then {$1700.00} for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and then in XXXX our regular payment of {$1200.00}. We also agree that they were going to send me a letter with the agreement and the bank never did. In addition, the bank also agree to returned the {$2400.00} I originally send to them in XX/XX/2021 for the amount of {$2400.00}, which they never did. I called several times and every time, it was a different agent with different excuses. The last person we called said that the bank was going to hold my money for 90 days with no explanation. I told her that I need the money to keep paying them and hold my agreement because we leave paycheck by paycheck and we were not going to be able to come up with another payment of {$1700.00} so fast. My calls to the bank were always blank with empty promises and excuses. So far, the bank has in total {$2400.00} first payment, withdrew from my bank on XX/XX/XXXX of XXXX my second payment made in XX/XX/XXXX for another {$2400.00} for a total amount of {$4200.00}. Also, to clarify the check the bank mailed to me the first time was not remit to me, see copy of the check and letter so I was unable to change the check and that was the reason why I returned the check to the bank ; so they can correct the check and send it to us again or transfer the fund to my bank. The bank agree on XX/XX/XXXX, that they would transfer the fund or mail the check and none has been done. Furthermore, the bank is charging fees that I don't know and this is very confusing to us. I dont know where to go or whom do I have to call or contact regarding my money and the issues I'm having with the bank. Please let me know what to do and what can you do to help me solve this problem. Thank you. 



Sincerely, XXXX XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: LEXISNEXIS
State: CA

Complaint narrative:
I need to make sure you have my correct business information for my business registered as XXXX XXXX XXXX XXXX in the state of California. I have called but have not been able to get someone to help me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01 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: TN

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report. I've also filed previous complaints that were not acknowledged.

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 2022-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ARVEST BANK GROUP, INC.
State: OK

Complaint narrative:
I bout XXXX XXXX  online from XXXX for XXXX on the XX/XX/XXXX the funds came out of my account on XX/XX/XXXX for XXXX. I never did get the tires they were shipped XXXX tracking # XXXX they were delivered to the wrong address. I file a complaint XXXX XXXX They { XXXX } could no find my tires and has noted them as missing undelivered to me. Some one by the name of XXXX signed for the tires I dont know them and that is not my name. I called XXXX XXXX time they told me the order went out from a third party and they can not do a refund and that I would have to dispute it with my Bank. Called my bank opened a dispute on XX/XX/XXXX I was told me it could take up to XXXX days I am getting nowhere with this please help

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 2022-02-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/2022 I started a fraud dispute for XXXX  XXXX XXXX XXXX because I never received this card and I found out that someone fraudulently spent all the funds in the account. Per federal guidelines and my understanding is that the company must resolve the dispute within 10 business days and if they are unable to resolve the claim within 10 business days then they must issue a provisional credit while they investigate the claim. Well the company is still investigating my claim past the 10 business days and they are refusing to issue my provisional credit. To my understanding that violates federal mandates and guidelines that must be followed

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