vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experience is still adding inaccurate information on my report. They will not take them off claiming they have verified the accuracy of the information but will not provide me with the information they have. The only account that should be on my report is XXXX. All those other items are inaccurate or was supposed to be billed too my insurance, I provided my insurance information so that those companies could bill my insurance for emergency services but the charges are still on my report. Can someone do something to make them take this information off and not add anymore unless the have the correct information.

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 2022-08-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: OH

Complaint narrative:
Called Edfinancial requesting a refund for payments made since the beginning of the pandemic which is entirely valid according to https : XXXX. Was told the refund would take 180 days which extends past the loan pause. Did some research and it looks like other borrowers have been requesting refunds for months and the timelines they are giving are changing constantly. 2 separate users have reported they keep extending the timeframe for a refund from back in XXXX, from 30 to 60 to 90 to now 120 is what he was told this month even after putting the request in back in XXXX. There are several threads online of users experiencing this and it's a growing concern for borrowers who are looking to this relief plan for relief but may not be able to get it because the lender is just extending the refund time frame past the forgiveness date. Other lenders are reporting 4 to 6 weeks which makes sense logically. Also, some borrowers are being told to request forgiveness as soon as it's available by dfinancial even though the refunds aren't being recognized against their accounts. Meaning they are telling users to request forgiveness when their loan values aren't actually correct while the refund is still " processing ''. 

Links to other reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Unknown person applied for a visa credit card through XXXX XXXX XXXXXXXX with my personal information. Thus being identity theft. Also some one attempted to purchase a money managing App. located in Ga.same as XXXX XXXX XXXX. The App is XXXX, XXXX XXXX GA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IN

Complaint narrative:
A structure fire occurred at my home on XX/XX/2019. XXXX XXXX XXXX is my homeowners insurance provider and US Bank is in charge of the mortgage on my home. The Loss Draft Services department of US Bank was given a total sum of {$240000.00} from XXXX XXXX XXXX. They in turn were given the responsibility of disbursing that money to the contractor/myself. Due to Covid, the fact that my home was built in the mid XXXX 's and required special attention, and my insurance company/US Bank being slow to respond, the process of reconstruction was just completed this past spring. 
The contractor is missing roughly {$29000.00} of the money that my insurance company gave to US Bank to disperse. I have called numerous times and written several letters over the past few months. When you call the Loss Draft Services Department you get a different assistant with each call. You are treated with disrespect and basically called a liar. They are of no help. I have yet to be contacted by a supervisor about this matter. I am to the point of hiring a lawyer to handle this complaint. 
The first few disbursement checks were written out to the contractor and not to me personally so I have no way of tracking those checks with my bank. I can track the final disbursement checks because they were written out to me and I deposited them and paid the contractor. There happens to be a check from US Bank for $ XXXX that I do not recall getting and neither does the contractor. I believe that check could have been lost in the mail since I had to move around a bit while my house was being reconstructed. 
I have asked/pleaded with US Bank to be sent copies of all of the cancelled disbursement checks showing both the front and the back of each check. I want to see who signed for/cashed each check and where the money was deposited. I have yet to be given those checks. They are a bank and should be able to supply me with those copies in a matter of a few minutes. I am still waiting!!! I personally believe they have lost the check and just simply do not want to be bothered with my complaint. 
In the meantime, I am having to either refinance my house or get a home equity loan to make up for the lost {$29000.00} from my insurance company that US Bank had in their possession. Any help/assistance/information would be greatly appreciated. I am at a loss and US Bank Loss Draft Services is not willing to respond or 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 2022-08-30 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: AZ

Complaint narrative:
On ( XX/XX/2022 ) 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 yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 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 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK
State: OH

Complaint narrative:
I have not received a statement for this account in over six months and they have not attempted to call me to advise the account as past due. I have advised them i was not getting any statement via mail or email. I have checked with my postal service as well as check all folders in my email to make sure that i was not switch to email statements. This account has now been reported and threaten for attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I did not open this account. The information is wrong and my name is missed spelled and I DID NOT OPEN OR AUTHORIZE my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts have been reporting inaccurately. I wanted to dispute these accounts because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled these accounts before because it were not mine. These accounts were taken care of with original creditor and promised me to update it out of my report. Therefore, these accounts are unverifiable. This is an error that you need to look up into, so please do your investigation on this and remove or delete these accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I have a synchrony credit card which was used to buy furniture XX/XX/2022 I was quoted a price by my sales woman and told I had 2 years to pay it off she never at one point mentioned I was in any type of promotion then whats one year came around and I was half way done paying the card off my amount basically reverted back to the originally balance of XXXX once I called to see why it was stated that my one year promotion which I did not know I was in has ended I then proceeded to make a dispute with XXXX but the only outcome i had with that was them locking my online account so I could not pay my bill this was last month I just tried to log in again and it was successful so I can pay the bill for next month but I still may have a late or missed payment on my credit as of now

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 2022-08-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
Over the past several months, I have had to regularly contact mr. cooper to fix their mistakes. mr. cooper claimed to send me correspondence that I never received and threatened to convert me to an escrow on two different occasions. mr cooper failed to get proper documentation from my previous loan servicer and made me provide additional information. I understand incompetence but it felt like a ploy to extract more money from me that I did not owe. 

Approximately a month later, mr cooper threatened to convert me to an escrow account again because I allegedly didn't pay a tax. My title insurance came back clean but mr cooper gave me short notice to resolve a rather complex issue. Multiple employees told me I should just pay the money that I did not owe, which feels shady and underhanded. After doing all the leg work and provided the documentation, I was told I would receive a call that everything was okay. I had to call them again. 

Finally, mr cooper regularly sends out marketing materials that state " Final Notice '' and make me feel on edge. This also feels dubious at best as they are trying to trick consumers into optional coverages and features, again in an attempt to extract more money that they are not owed. Additionally, I have allegedly opted out of their shady marketing campaigns and still receive them. 

I just feel like this is an underhanded company that is intentionally misleading and does NOT have the consumer 's best interest at heart. This is coming from someone who has never been late on a payment and always pays on the first of the month with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: GA

Complaint narrative:
Hi! My name is XXXX XXXX, I've just learned that the items I requested for you to investigate and delete have not yet been removed, what's going on? you seem to be ignoring my letter. I sent it on XX/XX/2022, but a month has already passed. I still haven't received any response from you. I was told by a legal expert in an online forum that this is a violation of my right, under 15 U.S.C 1681N and 1681O for willful and negligent, and non-compliance and I am willing to take it to the next step should you continue your negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: AZ

Complaint narrative:
On ( XX/XX/2022 ) 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 yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: TX

Complaint narrative:
XXXX, the parent bank of Chime who I am currently with, has locked my account and will not unlock it. I changed my phone number on my Chime account Wednesday XXXX XXXX at XXXX XXXX  and it instantly locked my account for a " matter of security ''. I received emails saying my account would be locked and until I submit the required documents, I would have no access to my debit card, my login information, as well as any direct deposit deposits coming in would be ejected and sent back to the issuer. I supplied the prof that Chime asked me for the same day and was told over the phone that within an hour my suspension would be lifted and account back unlocked, as I pleaded for them to unlock it as I am to be paid on Friday XX/XX/2022, and I had bills that I needed to pay as they will be shut off and I am the only one in my household with income to cover the bills. I was assured that they received and verified my information was good and that it would take an hour and then it would be lifted. Several hours passed and I consistently kept calling and I kept getting the run around. I was eventually told it would take 24-48 hours. Friday XX/XX/2022 came and it was still locked. They have held my money and I can not but the medicine I need for my child or husband, as well as they told me that now they don't have a timeframe and they will fix it whenever they can. Today is Tuesday XX/XX/2022 and my account is still locked and I have been told that there is no timeframe that can be given to me and they will fix it whenever they can. This is hugely inconvenient to me as I now how have to open a new bank account with another bank so I can hopefully get my deposit next week and hope I'm not delinquent on bills. Chime has done nothing to support me and they have informed me that replies to their emails will further delay getting my application processed. I have given them more than enough time and it is ridiculous to hold someone's money and not allow them to make purchases or get their paychecks all because I changed my phone number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
n accordance with the Fair Credit Reporting, XXXX XXXX XXXX Account number XXXX has violated my right. 

15 U.S.C 1681 SECTION 602 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 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I have not received a statement for this account in over six months and they have not attempted to call me to advise the account as past due. I have advised them i was not getting any statement via mail or email. I have checked with my postal service as well as check all folders in my email to make sure that i was not switch to email statements. This account has now been reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 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: CL Holdings LLC
State: CA

Complaint narrative:
I did not open this account. The information is wrong and my name is missed spelled and I DID NOT OPEN OR AUTHORIZE my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: OH

Complaint narrative:
I have not received a statement for this account in over six months and they have not attempted to call me to advise the account as past due. I have advised them i was not getting any statement via mail or email. I have checked with my postal service as well as check all folders in my email to make sure that i was not switch to email statements. This account has now been reported.

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 2022-08-30 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: GFS II, LLC
State: VA

Complaint narrative:
Gateway - incorrect reporting date & close account date, incorrect balance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Report Act 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. 


In accordance with the Fair Credit Report Act XXXX 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. 


In accordance with the Fair Credit Report Act XXXX 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. 


In accordance with the Fair Credit Report Act XXXX 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 2022-08-30 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: MI

Complaint narrative:
I have sent numerous requests to the credit reporting agencies regarding errors and inaccuracies on my credit report on XXXX, XXXX and XXXX and have not receieved any correspondence from anyone in regards to my requests and the inaccurrate reporting amongst the bureaus are still present.

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